How will a refinance on my loan impact my credit report?

When you successfully refinance your loan, your credit report may look different. That’s because once you complete your refinance, you will have closed your original loan and opened a new loan with one of our lending partners. We report this to the credit bureaus, monthly, in a file that includes the latest information on your account.

We suggest that you reach out to each bureau for more information about how opening and closing of accounts affects your credit score, as this information may vary from bureau to bureau. Be assured that you still will only have one active loan account serviced by us.

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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.


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


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