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GET A BETTER PERSONAL LOAN TODAY

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CLICK HERE TO GET APPROVED NOW
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Direct Lender With Larger Loans

Get a $1,000-$10,000 loan now. Find out if you’re approved in minutes. Don’t apply with a lead generator that will send and shop your personal information to multiple lenders. Go direct with a better personal loan from Opportunity Financial. 1

Affordable Payments Over Time

Our loans are paid back over a 6-36 month period. We make the payments affordable so it fits in with your monthly budget. We don’t believe in one size fits all. Our loan specialists will work with you to come up with the best payment and terms for your loan.

Great Rates That Save You Money

Our interest rates our typically 70-125% less than other personal loans. This will save you up to hundreds of dollars each month with our better rates. In addition, save on bank NSF fees, late rent charges and utility disconnect fees. Get yourself back on track and Apply Now! 1

Apply Online

With our safe and secure application, applying is fast and easy. Access our site easily from any device: personal computer, tablet or mobile phone.

Get Approved In Minutes

We will quickly verify your information, and will let you know how much you are approved for.

Get Funds As Soon As Tomorrow

Once approved, your funds will be directly deposited into your account as early as the next business day (for transactions completed by 7:30 PM ET)*.

The True Cost behind late and Bank Fees

A Truly Better Personal Loan

* Opportunity Financial, LLC lends or arranges loans in the following states: California, Delaware, Illinois, Kansas, Missouri, New Mexico, Ohio, South Carolina, Texas, Utah, Virginia and Wisconsin. We are a state licensed/approved lender in: California, Delaware, Illinois, Kansas, Missouri, New Mexico, South Carolina, Virginia, Utah and Wisconsin. In Texas we are a state licensed credit access business who arranges loans by a third-party lender. In Ohio we are a state licensed credit services organization who arranges loans by a third-party lender. We do not lend or arrange loans in all states.

OPPORTUNITY FINANCIAL’S CALIFORNIA LOAN PRODUCTS ARE MADE UNDER ITS CALIFORNIA FINANCE LENDER'S LICENSE. THAT LICENSE IS ADMINISTERED BY THE CALIFORNIA DEPARTMENT OF BUSINESS OVERSIGHT. FOR INFORMATION OR COMPLAINTS, CONTACT THE DEPARTMENT OF BUSINESS OVERSIGHT. AT 1-866-275-2677 OR www.corp.ca.gov.

Applicants must be 18 years of age to apply. Not all applications are approved. Applications processed and approved before 7:30 p.m. ET are typically funded the next business day. In some cases, we may not be able to verify your application information and may ask you to provide certain documents. Some customers applying for a loans may be required to submit additional documentation due to state law and qualification criteria.

Please note: This is an expensive form of credit. This service is not intended to provide a solution for longer-term credit or other financial needs. Loans made or arranged by Opportunity Financial are designed to help you meet your short-term borrowing needs. Other forms of credit may be less expensive and more suitable for your financial needs including, but not limited to: borrowing from a friend or relative, home equity line of credit, existing savings, credit card cash advance.This web site contains numerous testimonials from past clients. Testimonials provide the perspective of individuals who are successful and/or enthusiastic about their experience. Testimonials are not representative of everyone's experience and only provide information about the individual's experiences as to the point in time when they are provided. Individual results will vary. Testimonials may be edited for clarity or brevity. Please note that the photographs included with the testimonials are not the actual person who made the testimonial. No one has been paid to provide a testimonial. Please do not make any credit decisions or any financial decisions based on what is said in the testimonial or on the photographs you see.

11 Loan amounts may vary and are dependent upon qualification criteria and state law. Refer to Loan Cost & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within the transaction documents, such as the Loan Agreement. First time Opportunity Financial customers typically qualify for an installment loan of $1,000 to $10,000 with an APR of 36-199% APR. For example, a $1000 loan made or arranged by Opportunity Financial at 99% would require 17 bi-weekly installment payments of $72 and a $1000 loan at 199% would require 12 bi-weekly payments of $130.83. After the 12th and 17th successful payment, your loan would be paid in full. A typical installment loan of $1000 with an APR of 324% would require 17 bi-weekly payments of $144 equaling $2448. Typical installment loan pricing is based on direct installment lender originated loans in Missouri.

Implications of Late Payments

Individuals who do not pay their short term loans back on time may be subject to additional fees and collection methods. These will be clearly stated in the contract, so borrowers should be sure to review this information before providing their electronic signatures on any legally binding documents.

Implications of Non-Payment

  • Financial Implications The borrower will accrue additional interest and a late payment fee o for every payment that is more than 10 to 15 days past due and is clearly stated in the TILA disclosures in the contract and is based on state rules and regulations. In addition, a fee will be charged when a payment is returned by your bank.
  • Debt Collection We perform our own collections and also work with a third party collection agency. Opportunity Financial adheres to the regulations set forth by the Fair Debt Collection Practices Act, or FDCPA. These regulations can be found at the FTC website located here: http://www.ftc.gov/os/statutes/fdcpa/fdcpact.shtm.
  • Reflection on Credit Score As with other forms of consumer debt, failure to repay short term loans in a timely manner may reflect poorly on the borrower’s credit. This is because we have the right to file reports with credit rating companies when debts are not repaid, thereby negatively impacting the borrower’s credit score. After the loan has been repaid, the credit report will be updated.
  • Automatic Loan Renewal Loans we make or arrange are fully amortizing installment loans. A loan is not automatically renewed.

^ Available where permitted

** As of January 30, 2015. Ratings on third-party websites may periodically change, please check the third-party websites for up-to-date reviews and ratings. Opportunity Financial Rating: 4.9 out of 5 based on 122 reviews.