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General FAQs

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OppLoans offers online personal installment loans, which are unsecured, closed-ended loans that are 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.

The rates and terms for the products offered through OppLoans are specific to your state of residence. We are continuously testing a range of rate options.
Please visit our Rates and Terms page to see rules specific to your state.

Click on “Log in,” which is located in the upper right-hand corner. Then click on “Forgot password.” You can also click here.
You will be prompted to change your password. Please make sure to enter the email address you used to apply with us. When you change your password, the new password must meet the ...
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We use special underwriting criteria that are tied to your information as well as your offer/promo code. Entering in the promo code helps to speed things along, but your offer will be the same.

You can apply directly on our website at www.opploans.com and proceed without your offer code. Once you apply, your information will be recognized and you will receive the same benefits as if you had the code.
 

You can apply through either www.opploans.com/myloan or www.opploans.com/myoffer to enter your promo code.
If you do not wish to restart your application, you can continue to apply directly at www.opploans.com, and your information will be recognized. You will receive the same benefits as if you had the code.
 

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; (iii) reside in a state OppLoans operates in; ...
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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; (iii) reside in a state OppLoans operates in; (iv) ...
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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; (iii) reside in a state OppLoans operates in; (iv) ...
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You should see a website listed on the mailer that has your promo code. It should state either www.opploans.com/myloan or www.opploans.com/myoffer. You can enter your promo code on either website.

We apologize if you received a mail offer intended for someone else.
To opt out of receiving these mail offers, call the phone number(s) in the box at the bottom of the OppLoans mail-offer letter where it says, “You can choose to stop receiving 'prescreened' offers of credit from this and other companies.”

Please call the number(s) in the box at the bottom of the OppLoans mail offer where it says, “You can choose to stop receiving ‘prescreened’ offers of credit from this and other companies.”
To opt out of getting prescreened offers through the major credit bureaus, you can also visit the website optoutprescreen.com.
 
 
 

For information on what smishing is, how to report it, and how to avoid smishing scams, check out the helpful information below:
What is smishing?
Text message or SMS phishing—also called “smishing”—occurs when scam artists use deceptive text messages to lure consumers into providing their personal or financial information. The scam artists that send smishing messages often ...
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Products available through OppLoans are not yet available in all areas. Our current list of states served is available here.
We are always looking for opportunities to expand our portfolio of products to best serve consumers across the country, so if we do not yet service your area, please check back soon!

APR stands for Annual Percentage Rate and is your true cost of credit stated on an annual basis.
It includes a loan's interest rate and origination fees and takes into account factors such as repayment amounts and frequency.
Rest assured, OppLoans and its lending partners do not charge any such origination fees on the loans offered through ...
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Per the Sarbanes-Oxley Act (SOX), we are required to retain all records, including documents and electronic records, for a retention period of seven (7) years. After the retention period has been met, all records that can be destroyed will be destroyed. 
For further information, you can view our and our lending partners' privacy policies Read more

If you have been the victim of identity theft, please review the recommended next steps detailed below.
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 report contains our business name and/or reference to your loan.

OppLoans ...
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OppLoans provides access to credit products to consumers throughout the United States through partnerships with our lending partners:

FinWise Bank (FW Bank) is an FDIC-insured, state-chartered financial technology bank located in Sandy, Utah.
First Electronic Bank (FEB) is an FDIC-insured, state-chartered industrial bank headquartered in Salt Lake City, Utah.
Capital Community Bank (CC Bank) is an FDIC-insured, state-chartered bank ...
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Yes! OppLoans is legitimate and 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 is highly rated on Google and LendingTree for our unmatched customer service.
OppLoans has been named on Inc. 500’s list of fastest ...
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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 where we offer our products.
For more information about the product options and lender(s) in your state, please visit our Rates and Terms page.

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 that originate through our website. Therefore, OppLoans will be your single point of contact for all questions or concerns.

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 request. Then they would ...
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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 Read more

An online personal loan is a loan made to an individual rather than a business. They are usually sought in order to consolidate debt or to cover emergency expenses. The two main types of online personal loans are “secured” loans and “unsecured” loans.
Secured Loan: A secured loan is one where property is pledged as collateral. ...
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© 2022 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 Personal Information.

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.

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 (800) 990-9130, 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.

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