OppLoans offers bad credit personal loans!
Need money now but bad credit is holding you back? You still have options.
Does this sound like you? You’re looking for a personal loan to get you through a financial emergency but can’t get traditional bank or credit union financing because of a bad credit score.
There are bad credit loans 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.
How does it work?
Fill out our fast and easy online application in minutes!
Securely connect your bank account.
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
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 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.