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Frequently Asked Questions

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We don’t have a minimum FICO or Vantage score to qualify for our loan. Instead, we look at various factors from the alternate credit bureaus and your bank data to determine your eligibility.

You are only allowed to have one active loan per customer at any one time. If you pay off your loan in full or become eligible to refinance your loan, you may apply again for another loan.

If your application was denied, you will receive a Notice of Adverse Action with information regarding your denial. If you did not receive the Notice of Adverse Action, or have additional questions regarding your denial, please Contact Us and our Advocates will assist you.

If you completed the bank verification process and would like to talk about changing your loan amount, please Contact Us and our Advocates will assist you.

Once your last payment clears and your loan is paid off, you can immediately apply for a new loan. To check your balance or apply for a loan, sign into your account here.

You may be eligible to reapply at any time; however, in most cases we suggest that you wait 30 calendar days prior to reapplying, unless you withdraw your application or your application expired. For more information about why you were denied, please see your Notice of Adverse Action. Sign into…
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To start your application, click Apply Now. You cannot submit an application over the phone, in person, or via email. If you have any questions regarding the application process, please Contact Us and our Advocates will assist you.

In order to submit an application that our underwriting can review, applicants must: Reside in one of the states we operate in Be at least 18 years old (or 19 in Alabama and Nebraska) Have a regular source of income (Income can be from employment or from benefits including Social…
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To check on the status of your application or loan, sign into your account here. If you have any additional questions about the status of your application or loan, please Contact Us and our Advocates will assist you.

Yes. Bank Verification is a quick and secure process that provides OppLoans with a read-only snapshot of your recent banking transactions to help us verify your identity and financial information. By logging in with your online banking credentials, OppLoans is able to process your application faster, getting you a decision…
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There are multiple reasons the bank verification step may not be successful. Below are the most common errors and tips for success: Ensure you are using a stable Internet / Wifi connection. If your banking institution is not listed, you can manually upload 90 days worth of bank statements through…
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When you apply through the OppLoans website, OppLoans pulls your credit report in order to provide you with a loan offer. This soft inquiry will not be visible to third parties and will not impact your FICO® credit score.

Bank Verification is a quick and secure process that provides OppLoans with a read-only snapshot of your recent banking transactions to help us verify your identity and financial information. By logging in with your online banking credentials, OppLoans is able to process your application faster, getting you a decision as…
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You will receive an email notification if your application has been approved, so please make sure your email is correct when you create your account!

We do not currently accept applications by phone. However, our online application process is quick and easy—we promise! Just click “Apply Now” at the top of this page or visit Apply Now to begin the application on your computer, smartphone or tablet!

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APR stands for Annual Percentage Rate and it is your true cost of credit stated on an annual basis. It includes a loan’s interest rate and origination fees plus it takes into account factors such as repayment amounts and frequency. However, rest assured, OppLoans and its lending partners do not…
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We are required by federal law to retain all information associated with your application for at least 25 months. For further information, you can view our and our lending partners’ privacy policies here. If you are a California resident, please click here to view disclosures specific to you.

If you have been the victim of identity theft, then please review the recommended next steps detailed in this guide. Required Steps: File a Police Report – Complete a report about the suspected fraud at your local police department and keep a copy for your records. Please ensure that the police…
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OppLoans provides access to credit products to consumers throughout the United States through partnerships with its lending partners: FinWise Bank is an FDIC-insured, state-chartered financial technology bank located in Sandy, Utah. First Electronic Bank is an FDIC-insured, state-chartered industrial bank headquartered in Salt Lake City, Utah. Capital Community Bank (CC Bank)…
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OppLoans offers installment loans, which are unsecured, closed-ended loan that is repaid according to a set term and schedule where each payment is an equal portion of the total amount borrowed and accrued interest. For more information, please see our Rates and Terms.

No! OppLoans is not a scam. OppLoans is one of the highest-rated companies in the non-prime consumer lending space. OppLoans has an A+ rating from the Better Business Bureau and highly rated on Google and LendingTree for our unmatched customer service. OppLoans has been named on Inc. 500’s list of…
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No. A “pre-approval” is still subject to our verification of your identity and credit information. As stated in our mailer, we will not extend credit if you do not meet our pre-established criteria, meaning: (i) you are a U.S. citizen or permanent resident; (ii) are 18 years old (19 in…
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If you were previously a customer of OppLoans and your account is in good standing, you may be able to submit an application if you moved to a state we offer products in. For more information about the product options and lender(s) in your state, please visit our Rates and…
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The rates and terms for the products offered through OppLoans are specific to your state of residence. Please visit our Rates and Terms page to see rules specific to your state.

Our lending partners originate loans in certain states (please see our Rates and Terms page for more details). However, OppLoans has contracted with our lending partners to service the loan products of our lending partners originate through our website.  Therefore, OppLoans will be your single point of contact for all…
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Our lending partners are state-chartered banks that use the OppLoans platform to originate credit products for consumers. For lending partner products originated through the OppLoans platform, OppLoans services the credit products.

As the servicer of these credit products, you will work with OppLoans directly.

In the pre-digital age, a personal loan was obtained from a bank. In order to get a loan, you had to make an appointment, drive down to your local branch and have a long face-to-face meeting with a personal banker. Then you had to wait while the bank evaluated your…
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There are many different kinds of personal loans. From the credit card in your wallet to the mortgage on your house to the money you borrowed from a family member, the sheer number of financial products out there can be overwhelming. An installment loan is probably the most common type…
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It’s near the end of the month and you get a call from your kid’s school. He threw up during math class. You take him to the doctor and they tell you that he has a mild flu, nothing major. You breathe a sigh of relief. You don’t have the…
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To see if you qualify for a settlement agreement, please Contact Us and our Advocates will assist you.

To upload documents, Sign In to your OppLoans customer portal and click on the “Upload Documents” icon on your screen (it will be an arrow pointing upwards). From there, you will see “choose files” which will allow you to upload the document of your choice.

If you would like to change your repayment method, please Contact Us and our Advocates will assist you.

To view your payment history and payment schedule, Sign In to your account. For more information about payments and your options, please Contact Us and our Advocates will assist you.

In order to be eligible for a refinance, you must have paid at least 15% or $400 towards your current loan balance (whichever comes first) and you cannot be in a past due status. Sign In to see if you qualify for a refinance.

If you need to reset your password, visit Reset Your Password and follow the on-screen instructions using the same email address you used when creating your account. If you do not have an existing OppLoans account, Apply Now to start your application. If you’re still unable to login, please Contact…
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To update your application or account information, like name, email, social security number, or banking and payment information, please Contact Us and our Advocates will assist you.

To check the details of your loan payments, log into your account here to view your loan agreement, your scheduled upcoming payments, past payments, and check your balance.

If you are unable to make your scheduled payment for any reason, or you missed a past payment, please Contact Us and our Advocates will assist you.

We understand that financial situations change and that you may need more flexibility when borrowing money. To help in this process, we offer refinances to eligible current customers. If you are eligible to refinance, you will see a “Refinance Now” option in your customer portal.

Yes! At OppLoans, we want to make things convenient for you. OppLoans does not charge any prepayment fees. You can pay off your loan or make additional payments at any time. Simply log into your account to make a payment using your saved bank account (ACH) or a debit card….
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It’s important to OppLoans to offer easy and convenient ways to pay back your loan. The most popular and preferred method for many customers is through electronic fund transfer (EFT).  We also offer a recurring payment option of remotely created checks, debit card, and paper check options. For one-time payments,…
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Simply go to our Homepage and click the “My Account” button in the upper right-hand corner. Once you log in, you will be able to select “Change Password” on your customer dashboard to complete your password change.

Simply go to our Homepage and click the “My Account” button in the upper right-hand corner. Once you login to your account, you will be able to view your loan agreement and check your balance.

No worries! We’ll help you set a new password for your security. Here’s how: Click on the “My Account” button in the upper right-hand corner of our site Click on the “Forgot password?” link Enter your email and your login information Check your email for instructions on how to set…
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The OppLoans Resolutions Team strives to respond to all customer inquiries within 10 business days. 

OppLoans does not partake in the pay to delete practice. If you enter into an agreement to settle or pay off your account, the account will be reported as such once the agreement has been met on your credit report.

Make sure to check your credit report directly from each bureau as opposed to third-party sites, such as Credit Karma. Third-party sites may take additional time to process new information and update your credit report. If you have questions about your Credit Karma account, please reach out to their member…
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At OppLoans, refinancing your loan results in your previous loan being paid and a new loan opening. OppLoans reports the previous account as refinanced and closed as of the refinance date. The newly originated loan will be reported to the credit bureaus in our monthly reporting until a final status…
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OppLoans follows industry standard guidelines for credit reporting, and these standardized guidelines indicate how to report installment products, such as a paid off OppLoans account. Due to the guidelines provided, we report accounts that are paid off with a code that indicates the account is both paid and closed. Each…
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Once an account is reported as charged off, the remark will remain on the account until each bureau no longer reflects that account on your credit report. The remark cannot be removed even after a payoff or settlement as it accurately reflects the delinquency of the account at the time…
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When an account is included in bankruptcy, information regarding the bankruptcy is reported to the credit bureaus. This information continues to reflect on the credit bureaus for up to 10 years. If you have any questions, please see below for each credit bureau’s contact information. Equifax: 888-548-7878 or Experian:…
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Accounts reported to the credit bureaus are reported on a monthly basis, between 1 to 2 weeks following the final date of the prior month. For instance, all account activity between May 1st and May 31st will typically be reported to the credit bureaus by mid-June. If your loan was…
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For loans made by FinWise Bank, please contact our Resolutions Department via e-mail at or by regular mail at: FinWise c/o OppLoans ATTN: Resolutions Department 130 East Randolph Street, Suite 3400 Chicago, IL 60601 For loans made by First Electronic Bank, please contact our Resolutions Department via e-mail at…
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Yes, OppLoans reports to the three major credit bureaus  – Transunion, Experian, and Equifax – on a monthly basis except for loans originated by OppLoans in the states of Texas and Ohio.

A loan funded through one of our lending partners will reflect on your credit report both as OppLoans and the name of the partner in question. For FinWise Bank Loans Reporting on your account will show up on your credit report as “FinWiseOppLoans” (TransUnion) OR “FinWise/OppLoans” (Non-TransUnion). For First Electronic…
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There are numerous benefits! OppU is a national standards-aligned personal finance curriculum designed to teach essential concepts like saving, budgeting, credit education and more. OppU can help you master your money with fun and free videos and quizzes. Get started with OppU here or check out the Educator’s Guide for curriculum details.

OppU is a national standards-aligned personal finance curriculum designed to teach essential concepts like saving, budgeting, credit education, and more. OppU can help you master your money with fun and free videos and quizzes. For more information, click here –

© 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.


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

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 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.