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Inside Subprime: News About Credit

New Report Finds Minorities Less Likely to Seek Credit After Years of Institutionalized Racism

Posted on: September 25, 2019

Business Owners Struggle to Access Credit in Low-Income Areas of Chicago

Posted on: September 12, 2019

California Credit Union Receives Distinguished Service Award

Posted on: September 10, 2019

Study Shows How Debt and Spending Varies with Age

Posted on: July 22, 2019

Survey Finds Racial Gap in Access to Credit

Posted on: June 03, 2019

New Lenders Market Loans to Renters

Posted on: May 29, 2019

Baby Boomers in Houston Carry the Most Debt

Posted on: April 19, 2019

Utah Tenth in Household Debt

Posted on: April 18, 2019

29 States Fall Below National Subprime Credit User Average, Report Finds

Posted on: April 17, 2019

FICO to Make Changes to Credit Scoring to Include Bank Account History

Posted on: January 02, 2019

Industry Insight:

Applications submitted on this website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Sandy, UT, member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans. Please refer to our Rates and Terms page for more information.

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.

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.

†TX residents: Opportunity Financial, LLC is a Credit Access Business that arranges loans issued by a third-party lender. Neither OppLoans nor the third-party lender reports payment history to the major credit bureaus: TransUnion, Experian, and Equifax.

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. – 11:30 p.m. and Saturday and Sunday between 9 a.m. – 5:00 p.m. Central Time, or by sending an email to help@opploans.com.

More affordable personal loans to help build your credit history.^†