(800) 990-9130(855) 990-9500

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activites, 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.

© 2018 Opportunity Financial, LLC. All Rights Reserved. Use of Opportunity Financial, LLC is subject to our Terms of Use, Privacy Policy, and Additional Disclosures.

Applications submitted on this website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Sandy, UT, member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.

CA residents: Opportunity Financial, LLC is licensed by the Commissioner of Business Oversight (California Financing Law License No. 603 K647).

DE residents: Opportunity Financial, LLC is licensed by the Delaware State Bank Commissioner, License No. 013016, expiring December 31, 2018.

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.

OH & TX residents: Opportunity Financial, LLC is a Credit Services Organization/Credit Access Business that arranges loans issued by a third-party lender. Ohio Credit Services Organization Certificate of Registration No. CS.900195.000.

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.

Based on customer service ratings on Google and Facebook. Testimonials reflect the individual's opinion and may not be illustrative of all individual experiences with OppLoans. Check loan reviews.

* Approval may take longer if additional verification documents are requested. Not all loan requests are approved. Approval and loan terms vary based on credit determination and state law. Applications processed and approved before 7:30 p.m. ET Monday-Friday are typically funded the next business day. Rates and terms vary by state.

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(800) 990-9130(855) 990-9500
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Customer Rating (5/5)

Source: Google & Facebook
OppLoans is cheap, easy and safe. They work with you to get you the money you need!
Shonte, Chicago, IL
The OppLoans application process was fast and easy! OppLoans is a life saver!
DeVaughn, Houston, TX
I loved the personal care and attention. I wish I’d found OppLoans sooner!
Valerie, Chicago, IL
OppLoans is very affordable and I made extra money by referring friends!
Grace, Modesto, CA
After experiencing OppLoans, I vowed to never deal with payday lenders again.
Kelly, Newark, DE

Electronic Communications Agreement

Consent for Electronic Signatures, Records, and Disclosures ("E-Consent")

Please read this information carefully and print a copy and/or retain this information electronically for future reference.


CONSENT TO TRANSACT BUSINESS AND COMMUNICATE ELECTRONICALLY. You consent to transact business with FinWise, its successors and assigns as well as OppLoans and any other servicing company OppLoans and its affiliates through electronic communications in order for us to process and service your loan transaction. The following terms and conditions govern electronic communications in connection with your application, Note and any communications regarding your business with us (the “Consent”). By consenting, you agree that we may provide electronically any and all disclosures, documents and communications regarding our transaction(s) with you including our Privacy Policy (“Disclosures”).

By electronically signing this Note below, you are confirming that you have agreed to the terms and conditions of the Consent.

Paper Copies of Disclosures. When you apply for and obtain a loan from FinWisethrough the OppLoans website, you agree to receive information and disclosures regarding your loan electronically. You agree that you are able to view and/or electronically store the information presented at this website. You also agree you can print out, download or otherwise store the Disclosures to keep for your records. If you consent to the electronic delivery of Disclosures, you may also receive a paper copy of any Disclosure provided to you electronically by writing to OppLoans at 130 E Randolph St, Suite 3400, Chicago, IL 60601 or emailing loans@opploans.com. There is no fee for the paper copy.

Withdrawing Consent to Electronic Delivery. You may withdraw your consent by sending us your request in writing to: OppLoans at 130 E Randolph St, Suite 3400, Chicago, IL 60601 or emailing info@opploans.com. If you decide to withdraw your Consent, the legal effectiveness, validity and/or enforceability of prior electronic Disclosures will not be affected, and there will be no effect on your loan.

Hardware and Software Requirements. You must use a computer processor (CPU), mobile device, monitor, modem with ISP access to the internet or direct-dial up accessibility and a printer capable of printing text screens or hard drive capable of storing data. In addition, you must use Internet browser software that supports 128-bit encryption. If you want to review additional information on the requirements for using this software and associated hardware requirements, go to www.microsoft.com.

Email Requirements.  Because we may deliver Disclosures to you or otherwise communicate with you using e-mail, you must be able to send e-mail and receive e-mail that contains hyperlinks to websites. If you provide us with an email address in your application, you may notify us of changes in such address by writing to OppLoans at 130 E Randolph St, Suite 3400, Chicago, IL 60601 or sending an email to loans@opploans.com.

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 FinWise Bank, 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 FinWise Bank credit product. OppLoans, individually and on behalf of FinWise Bank, 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 FinWise Bank, member FDIC, and OppLoans to each obtain consumer reports and related information about you from one or more consumer reporting agencies, such as Clarity, Decision Logic, MicroBilt and Plaid.

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

You expressly authorize FinWise Bank 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 FinWise Bank 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 FinWise Bankthrough OppLoans impacts your credit, perform other statistical analysis, and share information with you about your credit profile.

You also authorize FinWise Bank 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

The bank verification step provided through the OppLoans application is intended 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”). Your use of Bank Verification is subject to the following terms and conditions (“Terms”). Proceeding with Bank Verification constitutes your assent to and acceptance of these terms and conditions. You may verify your bank account by using one (1) of the methods set forth below:

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”). 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 your credit application 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. Please note that 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.

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.

SMS Terms of Service

Message and data rates may apply for any messages sent to you from us and to us from you. If you have any questions about your text plan or data plan, it is best to contact your wireless provider. If you do not want to receive calls and/or SMS text messages, you can unsubscribe by sending an email to help@opploans.com or by contacting us at (800) 990-9130 specifying your preference. To unsubscribe from text messages, you can also simply reply "STOP" to any text message we may send you or just text "STOP" to 420-16. After this, you will no longer receive SMS messages from us. If you want to join again, please contact us at help@opploans.com.

We are able to deliver messages to the following mobile phone carriers:

Major carriers: AT&T, Verizon Wireless, Sprint, T-Mobile, U.S. Cellular, Alltel, Boost Mobile, Nextel, and Virgin Mobile.

Minor carriers: Alaska Communications Systems (ACS), Appalachian Wireless (EKN), Bluegrass Cellular, Cellular One of East Central IL (ECIT), Cellular One of Northeast Pennsylvania, Cincinnati Bell Wireless, Cricket, Coral Wireless (Mobi PCS), COX, Cross, Element Mobile (Flat Wireless), Epic Touch (Elkhart Telephone), GCI, Golden State, Hawkeye (Chat Mobility), Hawkeye (NW Missouri), Illinois Valley Cellular, Inland Cellular, iWireless (Iowa Wireless), Keystone Wireless (Immix Wireless/PC Man), Mosaic (Consolidated or CTC Telecom), Nex-Tech Wireless, NTelos, Panhandle Communications, Pioneer, Plateau (Texas RSA 3 Ltd), Revol, RINA, Simmetry (TMP Corporation), Thumb Cellular, Union Wireless, United Wireless, Viaero Wireless, and West Central (WCC or 5 Star Wireless).