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Frequently Asked Questions

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I am having trouble with bank verification. What should I do?

There are multiple reasons the bank verification step may not be successful. Below are the most common errors and tips for success:

  • Ensure you are using a stable Internet / Wifi connection.
  • If your banking institution is not listed, you can manually upload 90 days worth of bank statements through your online portal. Log into your OppLoans account, click Upload Documents on the right menu, choose your files to upload, and then submit. 
  • Attempt logging into your bank account to ensure your banking login credentials are correct. Click through any promotions, updates, or personal verification to ensure you are able to view your account. When complete, please attempt bank verification again.
  • Ensure your online banking account has your current phone number and email for multi-factor authentication. This includes updating your security questions when logging into your account.

Most common errors – 

ErrorDescriptionSolution
Invalid / Incorrect CredentialsUser incorrectly entered their credentialsVerify your credentials are accurate and attempt the process again.
Invalid MFA (multi-factor authentication)User incorrectly submitted answers or codes for multi-factor authentication.Re-enter the MFA selections, code, or question answers. Verify your information is up to date and accurate by logging into your online bank account.
Account LockedUser’s account is locked. Most commonly due to entering credentials incorrectly too many times.Contact your financial institution or log into your online bank account to resolve the issue and unlock your account.
Account Not Yet Authorized for Online UseUser’s online bank account is not fully set up at their financial institution.Contact their financial institution or log into your online bank account to complete setting up your account.
Account Not Supported / No Accounts AvailableThe type of account with your financial institution or the type of MFA used is not supported.Attempt to connect with a different type of account, specifically the checking account that receives the majority of your direct deposits. 
Institution or Service is Down, Not Responding, Not AvailableBank or provider is temporarily down, preventing user from connecting their account. Most commonly due to website maintenance.Attempt to connect at a later time. Verify your banking institution is no longer down, by contacting or logging into your online bank account.

 

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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.

DE residents: Opportunity Financial, LLC is licensed by the Delaware State Bank Commissioner, License No. 013016, expiring December 31, 2021.

NM Residents: This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website http://www.rld.state.nm.us/financialinstitutions/.

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.

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 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 info@opploans.com.

Our Commitment to Accessibility

Opportunity Financial, LLC is committed to making our website’s content accessible and user friendly to everyone. If you are having difficulty viewing or navigating the content on this website, or notice any content, feature, or functionality that you believe is not fully accessible to people with disabilities, please call our Customer Service team at (855) 408-5000 or email our team at info@opploans.com with “Disabled Access” in the subject line and provide a description of the specific feature you feel is not fully accessible or a suggestion for improvement. We take your feedback seriously and will consider it as we evaluate ways to accommodate all of our customers and our overall accessibility policies. Additionally, while we do not control such vendors, we strongly encourage vendors of third-party digital content to provide content that is accessible and user friendly.

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