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Frequently Asked Questions

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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 –

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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.