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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

Do you need a fast personal loan?

Through OppLoans you have access to more affordable5 personal loans through an easy online application process. Experience top-rated customer service3. We treat our customers like family!

How does it work?


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

We help people looking for:


What are personal loans?

A personal loan is a type of installment loan with a fixed interest rate and fixed repayment terms. Personal loans through the OppLoans Platform are not secured by collateral, such as a car or your paycheck!

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.

Are personal loans bad?

Personal loans can help borrowers reach their financial goals or cover an unexpected bill. For borrowers with bad credit, personal loans can have high interest rates and origination fees. It’s best to do your homework to find the best loan options for you!

Personal loans may also help build your credit history. Depending on your lender, making consistent on-time payments can boost your credit score. Missing payments or late payments would likely hurt your credit.

Where can I get personal loans with bad credit?

It is possible to qualify for a personal loan with bad credit. Some loan companies specialize in issuing loans to borrowers with bad credit and can let you pre-qualify to check rates. Compare rates to find the best lender and loan terms for your financial needs.

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.

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.

© 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.

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.


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

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