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Fast funding.1 Quick decisions. Personal service.

The money you need,
when you need it.

Apply Now
Applying does NOT affect your FICO® credit score!2
Fast funding.1 Quick decisions. Personal service.

The money you need,
when you need it.

Apply Now
Applying does NOT affect your FICO® credit score!2

Apply for an Online Loan Through OppLoans

Personal loans that meet your borrowing needs.
Every situation is different and our Loan Advocates are always ready to help you.

Mobile Friendly

Apply through our easy online application process!

Fast Funding

If approved, receive money in your account as soon as the next business day!1

Loan Amounts that can make a difference

We offer loans as high as $4,000.

Personal Service

We treat our customers like family. Become one of the 500k+ customers that trust OppLoans for their funding needs.

Apply Now
Applying does NOT affect your FICO® credit score!2
Why OppLoans

Customer Reviews

Become one of the 500,000+ customers that trust OppLoans for their funding needs!3

Testimonials reflect the individual's opinion and may not be illustrative of all individual experiences with OppLoans.

Who We Help

Americans need access to credit. Learn how OppLoans helps.

FAQs

What is an online loan?

Online loans are personal unsecured installment loans offered by online lenders and some traditional banks. Broadly, online credit products may take the form of a line of credit, a cash advance, or other loan options.

Online loan offers should clearly disclose the loan’s APR (annual percentage rate), the term, and any fees such as finance charges.

What can you use an online loan for?

Online loans can be used for a wide variety of purposes. Maybe you’re looking for a loan to help consolidate debt from multiple credit cards, or maybe you need to fund an expensive home improvement or car repair. Also, if you’re looking to turn bad credit into good credit, the right online loan may help you do that.

OppLoans customers have used their loan amounts for:

  • Car repair loans
  • Home repair loans
  • Debt consolidation loans
  • Loans to help pay off medical debt

Whatever your reason for searching online lenders (and whether you have excellent credit, bad credit, or you land somewhere in the middle) there are terms and conditions of the loan that you’ll want to understand. Borrowers should always be clear on the interest rate, repayment terms, and whether or not the lender will run a hard or soft credit check.

How are OppLoans online loans different?

We truly care about our customers and work hard to be flexible for each of our customer’s unique situations. We want to make sure borrowers get the best loan for them, whether it’s with OppLoans or a different online lender.
Unlike some financial institutions (and quite unlike payday loans4), OppLoans charges no origination fees or prepayment penalties. Our loans charge simple, fixed rate interest and contain no hidden fees.
OppLoans doesn’t base funding decisions exclusively on FICO credit scores or credit history.

We also report payments to all three major credit bureaus to help borrowers build their credit history.6

And if you opt into our Turn Up Program, we’ll proactively see if your loan application would qualify you for a loan at a cheaper interest rate with one of our lending partners.

What are the eligibility requirements to receive a loan?

The first step in applying for a loan through OppLoans is to fill out our online loan application. To be eligible for a lending product through OppLoans, potential borrowers must:

  • Be 18 years or older (or 19 in Alabama)
  • Have a bank account (checking account or saving account)
  • Reside in one of the states in which we currently operate
  • Have a regular source of income (Income can be from employment or from benefits including Social Security, Disability, etc. Please note: alimony, child support, or separate maintenance income is optional to include)
  • Receive paychecks through direct deposit (Due to state regulations, New Mexico residents are exempt from this requirement)

How does repayment work?

OppLoans believes in matching borrowers with the best possible loan for them. If we’re able to provide you with a personal installment loan product, we want to make sure your repayment options are both clear and affordable across the life of the loan term.
OppLoans offers multiple recurring payment options including ACH, remotely created checks and paper check options. For single payments, debit cards are also accepted.

For more details, see our FAQ: How Can I Repay My Personal Loan?

© 2021 Opportunity Financial, LLC. All Rights Reserved. Use of Opportunity Financial, LLC is subject to our Terms of Use and Privacy Policy.

California Disclosures and Privacy Policy | California Consumers can opt-out of the sale of personal information by clicking Do Not Sell My Info.

Applications submitted on this website may be originated by one of several lenders, including: Opportunity Financial LLC, a licensed lender in certain states; or one of our lending partners . All loans originated by our lending partners will be serviced by OppLoans.

NV Residents: The use of high-interest loans services should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction.

1Subject to credit approval and verification. Actual approved loan amount and terms are dependent on standard underwriting guidelines and credit policies. Funds are typically deposited via ACH for delivery for next business day if verification is completed and final approval occurs before 8:00 PM CT, Monday-Friday. Availability of the funds is dependent on how quickly your bank processes the transaction.

2OppLoans may use credit report information provided by Clarity Services and Experian as part of the application process to determine your creditworthiness. Neither credit inquiry will appear as a hard credit inquiry on your Experian credit report and therefore they will not affect your FICO score.

3Testimonials reflect the individual’s opinion and may not be illustrative of all individual experiences with OppLoans. Ratings on third-party websites may periodically change; please check the third-party websites for up-to-date reviews and ratings. Check loan reviews.

4Installment loan amounts typically range from $500 to $4,000. APR ranges from 59% to 199%. Installment loan lengths range from 6 to 18 months. Example: A $2,000 installment loan repayable in 9 monthly payments would have an APR of 160% and monthly payments of $395.58 Rates and terms vary by state. This is an expensive form of credit and you should determine whether our product(s) meets your financial needs.

6OppLoans reports customer payment history to the three major credit bureaus. On-time payments may improve credit score. Credit reporting not available for Texas customers.

USA PATRIOT ACT NOTICE: IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

If you have questions or concerns, please contact the Opportunity Financial Customer Support Team by phone at 855-408-5000, Monday – Friday, 7 a.m. – 11:30 p.m. and Saturday and Sunday between 9 a.m. – 5:00 p.m. Central Time, or by sending an email to info@opploans.com.

Our Commitment to Accessibility

Opportunity Financial, LLC is committed to making our website’s content accessible and user friendly to everyone. If you are having difficulty viewing or navigating the content on this website, or notice any content, feature, or functionality that you believe is not fully accessible to people with disabilities, please call our Customer Service team at (855) 408-5000 or email our team at info@opploans.com with “Disabled Access” in the subject line and provide a description of the specific feature you feel is not fully accessible or a suggestion for improvement. We take your feedback seriously and will consider it as we evaluate ways to accommodate all of our customers and our overall accessibility policies. Additionally, while we do not control such vendors, we strongly encourage vendors of third-party digital content to provide content that is accessible and user friendly.

California Residents, view the California Disclosures and Privacy Policy for info on what we collect about you.