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

Installment Loans

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

Installment Loans

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

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

How do I apply for an installment loan?


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


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.

Do installment loans build credit?

Borrowing an installment loan and making regular on-time repayments might help improve your credit history6 if your lender reports on-time payments to one or more of the major credit bureaus.

Except for some Texas residents, OppLoans reports payment history in every state we service to all three major credit bureaus—TransUnion, Experian, and Equifax.6

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.

© 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.

6OppLoans reports customer payment history to the three major credit bureaus. On-time payments may improve credit score. Credit reporting not available for Texas customers.


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.