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About Us

OppFi is a leading tech-enabled digital finance platform that works with banks to provide financial products and services for everyday Americans. Through a transparent and responsible platform, which includes financial inclusion and excellent customer experience, the Company supports consumers who are turned away by mainstream options to build better financial health.

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What Our Customers Are Saying

Our customers’ success is our greatest achievement. Here’s what they have to say about OppLoans:

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    When I had given up after a large emergency happened concerning my grandchildren and no one would help me OppLoans helped me. Yes I have an extra bill to pay but the peace of mind to know the emergency was taken care of in the time it needed to kept me going for my grandchildren.

    Jackie

    June 2026

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    I appreciate how quick and easy the process was in getting a loan through OppLoans. The re-payment schedule plan was simple and fair. I would definitely do business with OppLoans again. I highly recommend OppLoans for your next emergency Go-To-Loan place. Thank You OppLoans for your business.

    Daniel

    October 2026

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    I have gone through OppLoans twice now and have had great experiences both times. The process is quick and thorough. Interest rate is high but when your credit is not the greatest and bills need paid, or that unexpected car maintenance, it has been a great source of help.

    Helen

    July 2026

Trustpilot
Trustpilot

The reviews above were selected by OppFi from Trustpilot and may not be illustrative of all individual experiences with the OppLoans Platform. Ratings on third-party websites may periodically change; please check the third-party websites for up-to-date reviews and ratings. Check loan reviews.

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Our Commitment to Financial Health

OppFi is a Member of the Financial Health Network, joining leading-edge financial services, financial technology, and other providers committed to improving financial health for all.

Improve Credit: Tools that can help increase your FICO® Score instantly

Financial Education: Learn financial skills and earn rewards in the process

Local Savings: Discover local resources to save on rent, utilities, and more

Learn More

Why Choose Us?

Millions of Americans are underserved by traditional financial institutions due to limited or poor credit histories.
Our approach fills that gap with an innovative, customer-first focus:

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    Fair and Transparent Lending

    No hidden fees or confusing terms – you always know what you’re paying and why.

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    Flexibility and Accessibility

    Our Partners go beyond your credit score to evaluate your financial situation, giving you the flexibility you need.

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    Best In Class Customer Service

    Our 450+ employees are dedicated to serving our customers with transparency, kindness, and empathy. We take pride in our positive impact on the community.

Simple Loan Application Process

Working with bank partners, the OppLoans platform offers personal loans designed to fit your needs. The process is simple and built around you:

  1. Apply Online
    The application process is quick and easy, with decisions often made in minutes.

  2. Approval Process
    Our Bank Partners consider more than just your credit score, so even if you’ve been turned down by others, you may still qualify.

  3. Same-Day Funding Available
    If approved, you may receive money in your account as soon as the same business day1!

Apply Now
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OppLoans Has Served 2M+* Customers
Over 13+ Years

*As of December 31, 2024

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    14M+

    Applications

  • payments

    2M+

    Loans

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    30M+

    Repayments

Join the OppFi Team!

We offer a great compensation and benefits package to support you inside and outside of work as you grow your career with us.

View All Open Jobs
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Line of Credit Cost & Terms

Fees

Cash Advance Fee

10% of the amount of each Cash Advance. (This fee is a Finance Charge).

Carried Balance Fee

Assessed each Billing Cycle based on the Carried Balance and the outstanding Average Daily Balance. (This fee is a Finance Charge).

Average Daily Balance Billing Cycle Charge
Biweekly Semi-Monthly Monthly
$0.00 - $25.00 $0 $0 $0
$25.01 - $250.00 $14 $16 $23
$250.01 - $500.00 $28 $31 $62
$500.01 - $750.00 $36 $39 $79
$750.01 - $1,000.00 $52 $57 $114