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How can I repay my personal loan?

It’s important to OppLoans to offer easy and convenient ways to pay back your personal installment loan. The most popular and preferred method for many customers is through electronic fund transfer (EFT).

We also offer a recurring payment option of debit card or paper checks. For one-time payments, we accept debit cards and EFT. Please review details about each payment method below, including the cutoff times:

Electronic Fund Transfer (ACH Debits): This is the most popular repayment method for many customers. ACH stands for Automated Clearing House and is a form of electronic debit. We electronically debit your bank account for the amount you owe and the debits coincide with your due dates. You must set up ACH or make changes to your ACH payment two business days before your payment due date. Typically, you will see the debit go through within (2) business days of your due date, but check with your financial institution for details on their ACH practices. A payment scheduled on a holiday or weekend may not process until the next business day.

Debit Cards: OppLoans accepts debit cards for one-time payments. Typically, debit card payments are applied the same day. For example, if your payment is due on January 5, your debit card payment must be made on or before January 5 during the hours of operation. You can set up one-time or recurring debit card payments in the customer portal or by calling us at 855-408-5000.

Paper Checks: OppLoans accepts paper checks made payable to OppLoans. Checks can be mailed to:

130 E Randolph St, Suite 3400
Chicago, IL 60601

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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 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 (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.