General FAQs

Can't find what you're looking for? Contact us

The OppLoans Lending Platform offers online personal installment loans from our lending partners, 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 the OppLoans Lending Platform are specific to your state of residence. We are continuously testing a range of rate options with our lending partners.
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 ...
Read more

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 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 enter your promo code and apply through or by clicking “Did you receive an offer code in the mail? Click here” on

Pre-qualified means that you meet our initial requirements, but are still subject to our verification of your identity and credit information.
Loan approval is subject to confirmation that your income, credit history, and application information meet the minimum requirements established for this offer.
The next step would be to complete an application. To apply, click here: Read more

You should see listed on the mailer that has your promo code. You can enter your promo code there.

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

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 ...
Read more

Products available through the OppLoans Lending Platform are not yet available in all areas. Our current list of states served with our lending partners 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, ...
Read more

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 ...
Read more

Due to legal and regulatory requirements, we are required to retain all records, including documents and electronic records, for a retention period of seven (7) years for OppFi customers, or anyone who received a product or service, and five (5) years for all consumers who did not receive a product or service. OppFi may also ...
Read more

If you have been the victim of identity theft, please review the recommended next steps below.
Required Steps:
1. File a police report or Federal Trade Commission Identity Theft Report (FTC 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 ...
Read more

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 Murray, 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 ...
Read more

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 Trustpilot and LendingTree for our unmatched customer service.
OppLoans has been named ...
Read more

If you moved to a state where we work with lending partners and provide products through the OppLoans Lending Platform and you were previously a customer with an account in good standing, you may be able to submit an application.
For more information about the product options and lender(s) in your state, please visit our Read more

OppLoans does not originate loans. 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 that originate through our website. Therefore, OppLoans will be your single point of contact for all questions or ...
Read more

Our lending partners are state-chartered banks that use the OppLoans Lending Platform to originate credit products for consumers. All loans originated by our lending partners will be serviced by Opploans.

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

In the pre-digital age, a bank or credit union could provide access to a personal loan through a sometimes lengthy application process. With an online lending platform, your application can be reviewed and you may receive a decision on the same day. With OppLoans, depending on when you are approved, you may receive funds ...
Read more

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. ...
Read more

© 2024 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 OppLoans' website will be originated by one of our lending partners. All loans originated by our lending partners will be serviced by OppLoans.

1Subject to credit approval and verification. Actual approved loan amount and terms are dependent on standard underwriting guidelines and credit policies. Funds may be deposited for delivery to your bank via ACH as soon as the same business day if verification is completed and final approval occurs before 12:00 PM CT on a business day. If approval occurs after 12:00 PM CT on a business day or on a non-business day, funds may be delivered as soon as the next business day. Availability of the funds is dependent on how quickly your bank processes the 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 (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


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