What types of credit products does OppLoans offer?

OppLoans > FAQ > What types of credit products does OppLoans offer?

OppLoans offers two credit products through our website: installment loans and lines of credit. The credit product you are eligible for will depend on the state you reside in. Please see our Rates and Terms for information about the product options and lender(s) in your state.

Industry Insight:

In AK, AZ, DC, FL, HI, IN, KY, LA, ME, MI, MN, MT, NE, ND, OK, OR, RI, SD, WA and WY all installment loans are originated by FinWise Bank, a Utah chartered bank, located in Sandy, Utah, member FDIC. California applicants may be funded by one of several lenders, including: (i) FinWise Bank; or, (ii) OppLoans, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.

CA residents: Opportunity Financial, LLC is licensed by the Commissioner of Business Oversight (California Financing Law License No. 603 K647).

DE residents: Opportunity Financial, LLC is licensed by the Delaware State Bank Commissioner, License No. 013016, expiring December 31, 2019.

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.

OH & TX residents: Opportunity Financial, LLC is a Credit Services Organization/Credit Access Business that arranges loans issued by a third-party lender. Ohio Credit Services Organization Certificate of Registration No. CS.900195.000.

OppLoans performs no credit checks through the three major credit bureaus Experian, Equifax, or TransUnion. Applicants’ credit scores are provided by Clarity Services, Inc., a credit reporting agency.

Based on customer service ratings on Google and Facebook. Testimonials reflect the individual's opinion and may not be illustrative of all individual experiences with OppLoans. Check loan reviews.

* Approval may take longer if additional verification documents are requested. Not all loan requests are approved. Approval and loan terms vary based on credit determination and state law. Applications processed and approved before 7:30 p.m. ET Monday-Friday are typically funded the next business day.

Rates and terms vary by state.

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.- 10 p.m. and Saturday and Sunday between 9 a.m. – 4 p.m. Central Time, or by sending an email to help@opploans.com.

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