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$500 - $4,000. Quick Decisions. Terms up to 18 months!

Online Personal Loans

Apply Now
Applying does NOT affect your FICO® credit score!2
$500 - $4,000. Quick Decisions. Terms up to 18 months!

Online Personal Loans

Apply Now
Applying does NOT affect your FICO® credit score!2

 

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

Do you need a fast Personal Loan?

Use our easy online application process to see if you qualify for a more affordable5 personal loans. Experience top-rated customer service3. We treat our customers like family!

Our loans help those looking for: Personal Loans | Bad Credit Loans | No Credit Check Loans | Installment Loans

How does it work?

Apply

Fill out our fast and easy online application in minutes!

Verify Income

Securely connect your bank account.

Review Agreement

Review and accept your loan's repayment agreement.

Get a Decision

You will be provided a decision quickly! If approved, you may be funded as soon as the next business day!1

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We help people looking for:

OppLoans Personal Loans

A typical personal loan is a type of installment loan with a fixed interest rate and set repayment terms. Personal loans offered through OppLoans have flexible terms and don’t require collateral like your car or your paycheck.

Apply Now
Applying does NOT affect your FICO® credit score!2

Common Personal Loans Questions

How do personal loans work?

Financial institutions such as banks, credit unions, and online lenders issue personal loans. A typical personal loans will have terms and conditions that will establish the time period for loan repayment, the interest rate, and the monthly payment amount.

Every lender has different qualifications it uses to determine creditworthiness. Lenders assess your credit history, credit score, and income during the application process to decide whether or not you qualify for a loan. Approval times and loan amounts vary depending on the lender.

Can I get a personal loan for debt consolidation?

Personal loans can be used for debt consolidation for debts such as credit cards, medical bills, and payday loans. Debt consolidation loans may give you lower loan payments so you can pay off debts faster and streamline payments.

What are personal loans used for?

Borrowers can use personal loans for a variety of purposes including emergency expenses and debt consolidation. Paying for medical billshome improvementcar repairs, and major life events are all common uses for personal loans.

Learn more about Personal Loans

If you’re facing a financial emergency, you may be thinking about borrowing money.

Taking out a personal loan can be a serious decision and it’s always best to have answers to your questions before taking out a personal loan. For useful personal loans information, check out this article from the OppU blog:

What is a Personal Loan?

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OppLoans Offers Bad Credit Personal Loans

Do you need money now? If you need a personal loan to help get you through a financial emergency, but can’t get a personal loan through a traditional bank and credit union because of bad credit, there are other options.

Bad credit loans are available from reputable online lenders. If you do your research, ask the right questions and make sure you’re only borrowing what you can afford to repay, you can find the right bad credit loan for you.

Apply Now
Applying does NOT affect your FICO® credit score!2

Common Bad Credit Loan Questions

What will my interest rate be?

The rates and terms for personal loans and credit products through OppLoans vary state-by-state. You can check out the specific rates and terms in your state here.

The typical cost of a personal loan through OppLoans is 160% APR in most states and terms can last up to 18 months.

Compared to products like payday loans5, OppLoans products may fit your repayment needs better, can help you build credit history6.

How much loan do I qualify for?

Depending on your state and your income, you may qualify for between $500 and $4,000.

The amount you may be eligible for will depend on your state of residence, your income and ability to repay, and your creditworthiness.

For more information about the product options and lender(s) in your state, please visit our Rates and Terms page.

Learn more about our Bad Credit Loans

Improving bad credit can save you money and help you meet your money goals. Check out this Guide to Bad Credit Loans for useful information!
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Getting a No Credit Check Loan at OppLoans

So how can you borrow money without a credit check? You might find yourself considering a no FICO credit check loan. A no credit check loan could be one of several different products, and some are better than others, so you’ll want to do your research before signing any contract.

OppLoans offers short term personal loans with no FICO check by assessing a borrower’s creditworthiness.
We consider:
  • employment status
  • income details
  • bank account
  • financial history
Apply Now
Applying does NOT affect your FICO® credit score!2

Common No Credit Check Loan Questions

Do you look at my credit score?

Applying for a personal loan through OppLoans does NOT affect your FICO® score. Why not? Because, while 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.

What is a no credit check loan?

A no FICO credit check loan is typically a type of loan in which a lender determines the “creditworthiness” of a potential borrower without conducting a hard FICO credit check.

This can be appealing to potential borrowers who are concerned about the condition of their bad credit or credit history. A “no credit check loan” may seem like a good fast cash option but there are always risks. Educating yourself is the best way to make the right borrowing decision for you.

How is a no credit check loan different from a payday loans5?

Payday loans are short term, high cost loans. OppLoans installment loans come with longer terms, lower rates, and higher principals.

Here’s a quick snapshot to explain the differences:

OppLoans4

Payday Loans5

Loan amount $500 – $4,000 $100 – $1,000
APR 160% in most states 400%
Term Up to 18 months in most states 14 days
Ability to build credit history6 X

Learn more about No Credit Check Loans

Need money now but concerned about credit checks impacting your credit score? Learn helpful details in the Ultimate Guide to No-Credit-Check Loans blog post.
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What are Installment Loans?

An installment loan is an agreement between a borrower and lender. The borrower takes out a loan (say $1,000) and agrees to repay it, plus interest, in installments over time.

If you need money now, an online installment loan through the OppLoans Platform could be a solution for you. With OppLoans online personal installment loans, you might be able to get between $500 to $4,000 delivered into your bank account as soon as the next business day.1

Apply Now
Applying does NOT affect your FICO® credit score!2

Common Installment Loan Questions

Are Installment Loans good?

An installment loan from BBB-accredited lender with high customer ratings like OppLoans, could be a payday loan alternative for you. Always do your research and make sure you can actually afford the loan being offered.

Are installment Loans secured or unsecured?

OppLoans installment loans are not secured. You don’t need to risk your next paycheck or your car title. Check out our financial terms glossary for more on the difference between secured and unsecured loans.

How many installment loans can you have?

With OppLoans, you can take out one installment loan at a time. However, at the end of your term, you may be able to refinance your loan. If you are eligible to refinance, you will see a “Refinance Now” option in your customer portal.

Learn more about Installment Loans

If you’re considering borrowing money online, an installment loan may be a product that can help you. But not all installment loans are the same and, as with other major financial decisions, it pays to be informed! Check out this relevant post from the OppU blog:

What is an Installment Loan?

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© 2021 Opportunity Financial, LLC. All Rights Reserved. Use of Opportunity Financial, LLC is subject to our Terms of Use and Privacy Policy.

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 this website may be originated by one of several lenders, including: Opportunity Financial LLC, a licensed lender in certain states; or one of our lending partners. All loans originated by our lending partners will be serviced by OppLoans.

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.

1Subject to credit approval and verification. Actual approved loan amount and terms are dependent on standard underwriting guidelines and credit policies. Funds are typically deposited via ACH for delivery for next business day if verification is completed and final approval occurs before 8:00 PM CT, Monday-Friday. Availability of the funds is dependent on how quickly your bank processes the transaction.

2OppLoans 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.

3Testimonials reflect the individual’s opinion and may not be illustrative of all individual experiences with OppLoans. Ratings on third-party websites may periodically change; please check the third-party websites for up-to-date reviews and ratings. Check loan reviews.

4Installment loan amounts typically range from $500 to $4,000. APR ranges from 59% to 199%. Installment loan lengths range from 6 to 18 months. Example: A $2,000 installment loan repayable in 9 monthly payments would have an APR of 160% and monthly payments of $395.58 Rates and terms vary by state. This is an expensive form of credit and you should determine whether our product(s) meets your financial needs.

5According to the Consumer Federation America, a non-profit consumer advocacy group, payday loans range in size from $100 to $1,000, depending on state legal maximums, and carry an average annual percentage rate (APR) of 400%. The maximum APR for a loan offered through and serviced by OppLoans is 160% and loan sizes range from $500 to $4,000. https://paydayloaninfo.org/facts

6OppLoans reports customer payment history to the three major credit bureaus. On-time payments may improve credit score.

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 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 info@opploans.com.

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