Loan Repayment FAQs

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When the agreed-upon amount has been satisfied, your account will be reported to the credit reporting agencies as settled for less than the full amount, which may impact your overall credit standing.
Please be aware that OppLoans is a data furnisher, meaning that we supply information to the credit bureaus. That information is then used by ...
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Everyone’s situation is different. To see if you qualify for a settlement agreement, please check the customer portal or call us at (855) 408-5000, and one of our representatives will be happy to help.

Please be aware that OppLoans is a data furnisher, meaning that we supply information to the credit bureaus. That information is then used by the bureaus in order to calculate a credit score based on their criteria. Every consumer has a different mix of credit history and accounts. Therefore, we encourage you to contact the ...
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OppLoans believes it’s important to offer easy and convenient ways to pay back your personal installment loan. The most popular and preferred method for many customers is via Automated Clearing House, known as ACH. ACH can be set up as a recurring payment option or as a one-time payment.
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We also offer repayment options of checks via mail and debit cards...
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If you would like to change your repayment method, please Contact Us and our Advocates will assist you.

To check the details of your loan payments, log into your account here to view your loan agreement, your scheduled upcoming payments, past payments, and check your balance.

We know everyone’s situation is unique, which is why we work closely with our customers to determine the best solution for you.
If you are worried about missing an upcoming payment or defaulting on your account, please contact us and our Advocates will be happy to assist.

Yes! At OppLoans, we want to make things convenient for you. OppLoans does not charge any prepayment fees. You can pay off your loan or make additional payments at any time. Simply log into your account to make a payment using your saved bank account (ACH) or a debit card, or send additional payments via ...
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OppLoans partners with third-party debt collection services to help individuals find payment options that fit their specific needs. OppLoans does not sell accounts to third parties. If you have further questions, please contact the third party listed on the notice, so they can assist you in repayment options. 
Please keep in mind that all payments moving ...
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You can provide the third party with your contact information, and they will be happy to assist you. You can also provide the account number, which begins with “LAI-” and can be found by clicking “Your Contract” on the OppLoans customer portal. 
If you need the contact information for your specific third party, please log into ...
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Once placed with a third party due to nonpayment, your account is generally not transferred back to OppLoans. Once the loan is repaid, OppLoans will close out the account and report the loan as closed to the credit bureaus. 

OppLoans partners with multiple third parties and reserves the right to transfer an account from one third party to another due to nonpayment. Once transferred, all repayment and communication will occur with the new third party to resolve the account.

OppLoans can only disclose information regarding the account if we have a signed Power of Attorney form on file. 
If you do not wish to send a Power of Attorney form to OppLoans and are looking to confirm information related to the account, the customer can provide you with the account number, which begins with “LAI-” ...
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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 OppLoans' website and Lending Platform will be originated by one of our lending partners and serviced by OppLoans.

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 (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 info@opploans.com.

LCR-4377

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