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Frequently Asked Questions

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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 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 charge any such origination fees …
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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 …
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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 report contains our business name and/or reference …
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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) is an FDIC-insured, state-chartered bank located in Provo, …
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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 fastest growing companies, …
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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 AL and NE); (ii) reside …
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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 Terms page.

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 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.
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A 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 personal loans are “secured” loans and “unsecured” loans.
Secured Loan: A secured loan is one where property is pledged as collateral. For instance, …
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Our products help those looking for: Personal Loans | Bad Credit Loans | No Credit Check Loans | Installment Loans

© 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 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.


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

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