Welcome to OppLoans!
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Testimonials reflect the individual's opinion and may not be illustrative of all individual experiences with OppLoans.
We offer loans from $500 to $5,000.4
Applying does NOT affect your FICO® credit score!2
Why OppLoans is Right for You
Frequently Asked Questions
We currently do not offer instant funding. Funds may be deposited for delivery to your bank via ACH as soon as the same business day if verification is completed and final approval occurs before 12:00 pm CT on a business day. If approval occurs after 12:00 pm CT on a business day or on a non-business day, funds may be delivered as soon as the next business day. Availability of funds is dependent on how quickly your bank processes the transaction.
We work hard to offer our customers a quick and convenient funding process. Depending on when your loan is approved, funds may be deposited in your account on file as soon as the same business [clm id="1"]day.[/clm] The actual time it takes for the funds to become available in your account depends on your financial institution.
To learn more about when you will receive your funds, please click here.
Within the application, you will see a Loan Offer page that shows you your options and allows you to adjust your loan amount, based on what you qualify for. If you completed the automated bank verification process and would like to talk about changing your loan amount, please Contact Us and our Advocates will assist you.
OppLoans may use credit report information provided by Clarity Services and Experian as part of the application process to determine your creditworthiness. Neither credit inquiry will appear as a hard credit inquiry on your Experian credit report and therefore they will not affect your FICO score.
We use special underwriting criteria that are tied to your information as well as your mail code. Entering in the mail code helps to speed things along, but your offer will be the same.
If you received mail stating you’ve been pre-qualified, entering your mail code helps speed along the underwriting process tied to your information and mail code.
Pre-qualified means that you meet our initial requirements, but are still subject to identity verification and credit information.
Loan approval is subject to confirmation that your income, credit history, and application information meet the minimum requirements established for this offer.
The next step would be to complete an application using your provided mail code. To apply, click here: https://www.opploans.com/myloan/.
Read What People Are Saying
The testimonials on our third-party review websites reflect the individual's opinion and may not be illustrative of all individual experiences with OppLoans.
Loans are not available to applicants listed as Covered Borrowers in the Military Lending Act, which includes qualifying active duty servicemembers and their dependents.