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OppLoansPersonal LoansBad Credit Loans
$500 - $4,000. Quick Decisions. Terms up to 24 months!

Bad Credit Loans

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Applying does NOT affect your FICO® credit score!2
$500 - $4,000. Quick Decisions. Terms up to 24 months!

Bad Credit Loans

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

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?

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

FAQs

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 24 months.

Compared to products like payday loans5 and title loans, OppLoans products may fit your repayment needs better, can help you build credit history and they don’t carry the risk of losing your car!

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. Please click on the article below for more state specific information!

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

© 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 Info .

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.

1 Subject 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.

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

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.

Our Commitment to Accessibility

Opportunity Financial, LLC is committed to making our website’s content accessible and user friendly to everyone. If you are having difficulty viewing or navigating the content on this website, or notice any content, feature, or functionality that you believe is not fully accessible to people with disabilities, please call our Customer Service team at (855) 408-5000 or email our team at info@opploans.com with “Disabled Access” in the subject line and provide a description of the specific feature you feel is not fully accessible or a suggestion for improvement. We take your feedback seriously and will consider it as we evaluate ways to accommodate all of our customers and our overall accessibility policies. Additionally, while we do not control such vendors, we strongly encourage vendors of third-party digital content to provide content that is accessible and user friendly.

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