(800) 990-9130(855) 990-9500(844) 677-5626(855)-626-4611

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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.

DE residents: Opportunity Financial, LLC is licensed by the Delaware State Bank Commissioner, License No. 013016, expiring December 31, 2020.

NM Residents: This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website http://www.rld.state.nm.us/financialinstitutions/.

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 7:30 PM ET, Monday-Friday. Availability of the funds is dependent on how quickly your bank processes the transaction.

2 OppLoans performs no credit checks through the three major credit bureaus Experian, Equifax, or TransUnion. Applicants’ credit scores are provided by Clarity Services, Inc., a credit reporting agency.

3 Testimonials 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.

4 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.

5 According 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 199% and loan sizes range from $500 to $5,000. https://paydayloaninfo.org/facts

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

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.

Questions? We can help.
(800) 990-9130(855) 990-9500(844) 677-5626(855)-626-4611

Consent to Receive Calls & SMS Text Messages

Receipt of cellular phone calls (including text messages) may be subject to service provider charges. Message and Data Rates May Apply. If you listed a cell phone number in your application or provide an updated cell phone number, then you authorize Opportunity Financial, LLC (“OppLoans”), individually, and on behalf of , and our affiliates, agents, assigns and service providers to call (including sending SMS text messages) using automatic telephone dialing systems, automatic texting systems and artificial or prerecorded messages to your cell phone number to provide account information and services regarding your OppLoans credit product. OppLoans, individually and on behalf of , may contact you regarding your account including to assist you with completion of your application, assist you with bank verification steps, notify you of transaction approval, provide payment reminders, marketing, and conduct collection efforts. You agree to notify OppLoans immediately if you change your number or transfer your phone to another person. You understand text messages may be seen by anyone with access to your phone. Accordingly, you should take steps to safeguard your phone and your text messages if you want them to remain private. If you do not want to receive calls and/or SMS text messages, you can unsubscribe by sending an email to info@opploans.com or by calling a customer service representative at (800) 990-9130 specifying your preference. To stop text messages, you can also simply reply “STOP” to any text message we may send you.

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Credit Report Authorization

By continuing with the application process, you understand and agree that you are authorizing , member FDIC, and OppLoans to each obtain consumer reports and related information about you from one or more consumer reporting agencies (each a “Consumer Reporting Agency”). Upon request, OppLoans will provide you with the name and address of the Consumer Reporting Agency contacted to supply the report.

You also authorize and OppLoans to verify information in your application for credit, and you agree that and/or OppLoans may contact third parties to verify any such information. You direct and/or OppLoans to use your consumer reports to authenticate your identity, to make credit decisions, and for other related purposes.

You expressly authorize and/or OppLoans to obtain consumer reports from consumer reporting agencies about you when you apply for credit and periodically throughout the term of your credit product, including in the month following the month when you pay off or otherwise satisfy the terms of your credit product. You expressly authorize and/or OppLoans to use the information that we obtain from such reports to, among other things, market refinancings and other products to you, make decisions related to the servicing and collection of your account, measure how the credit product you obtained from through OppLoans impacts your credit, perform other statistical analysis, and share information with you about your credit profile.

You also authorize and/or OppLoans to use obtained consumer reports to determine your eligibility for any other products that they may offer or that you may apply for within 30 days after your initial application date and initial consumer report pull.

Bank Verification Terms of Service

We ask you to verify your authority and access to external financial accounts, confirm your ability to access such accounts, and verify your financial information as part of the application process (“Bank Verification”). The Bank Verification process is subject to the following terms and conditions (“Terms”). Proceeding with Bank Verification constitutes your assent to and acceptance of these terms and conditions.

As used hereafter, the terms “you” or “your” shall mean the consumer submitting an application, and the terms “we” or “our” shall refer to Opportunity Financial, LLC.

Application Verification Process.We may verify your bank account by using one (1) of the methods set forth below:

  1. Bank Account Verification (“BV”): It may be possible to verify your bank account quickly and securely through the automated BV process. If you choose to proceed with the BV process, we will ask you to provide your online banking information to third-party BV processing partners (“Processing Partners”), and by entering your online banking information now or in the past, you grant authority to our Processing Partners to use your online banking credentials in furtherance of this application and applications for additional financial products that you may apply for on the OppLoans website in the future. By choosing BV to process and verify your banking information, you authorize OppLoans to access secure, read-only reports of your banking data (“BV Reports”) from the Processing Partners as necessary to complete any of your credit applications and verify your eligibility for the financial products offered through the OppLoans website. OppLoans and its lending partners do not store your user ID, password, or any other online banking credentials. This service is currently only available during the application process through the OppLoans website. If you are unable to complete the BV process or choose to not utilize BV option, you may be required to verify your bank account using the Standard Bank Account Verification method set forth below which may cause delays in the completion of your application.
  2. Standard Bank Account Verification: If you are unable to use the BV system or choose to not utilize the BV option, in order to complete your application, you will be required to securely upload bank documentation via the OppLoans customer portal for your loan application. Failure to provide the required documentation will cause your application to be delayed and remain incomplete.

Please Note: All applicants must verify their bank account information by one of the above methods in order to be eligible for a loan through OppLoans. You understand and acknowledge that providing your bank account information as part of your loan application does not represent or imply that your loan application has been, or will be, approved. Please contact us if you have any questions at info@opploans.com or (855) 408-5000.

Supplemental Verification of Active Accounts. OppLoans and its lending partners may from time to time use our Processing Partners to confirm the bank account that you have provided is open and active.