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Trustpilot

Testimonials reflect the individual's opinion and may not be illustrative of all individual experiences with OppLoans.

We offer loans from $500 to $4,000.4

Applying does NOT affect your FICO® credit score!2

Why OppLoans is Right for You
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Easy to Apply
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Our online application process prioritizes speed, security, and simplicity.

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Same-Day Funding Available
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If approved, you may receive money in your account as soon as the same business day!1

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Loan Support At Every Step
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Our top-rated Customer Advocates are available to provide support at every step of the application process. We succeed when you do!

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Safe and Secure
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We are dedicated to protecting your information and communications with advanced 256 bit encryption technology.

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Transparent Process
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We supply you with an easy-to-read payment schedule with predictable payments and the ability to set up automatic payments.

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Build Credit History
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We report your payment history with us to the three major credit bureaus, so every on-time payment you make may help boost your credit score.6

Frequently Asked Questions

Is funding instant?

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...
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How will my loan be funded?

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 day.1 The actual time it takes for the funds to become available in your account depends on your financial institution.
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Can I change the loan amount in my application?

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...
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Will my credit score be affected if I apply?

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.

Read What People Are Saying

Click on one of our third-party review websites below to read our customer reviews.

*Loan approval is subject to confirmation that your income, credit history, and application information meet the minimum requirements established for this offer. Not all applications are approved. See Loan Eligibility criteria below for details.

Loan Eligibility criteria: To qualify, a borrower must be: (i) a U.S. citizen or permanent resident; (ii) reached the age of majority in your state; (iii) reside in a state where one of our lending partners offers credit products; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of May 16, 2023 and is subject to change. This offer is not guaranteed if you no longer meet the credit criteria used to screen you for this offer or your application does not meet additional criteria bearing on creditworthiness.

Loans are not available to applicants listed as Covered Borrowers in the Military Lending Act, which includes qualifying active duty servicemembers and their dependents.

LCR-4004

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