Visit the OppLoans COVID-19 information page for additional resources and help during this emergency.

4.8 star customer rating by Lendingtree image
A+ rating by BBB accredited business image
Last checked on 08/11/20203

Apply for Online Installment Loans Through OppLoans

Don't get stuck borrowing money from a payday lender.
Apply for a fast and affordable online installment loan!

Who We Help

Americans can’t get
access to credit.

More than half of Americans have
less than $1,000 in savings.

40% of Americans can’t cover a
$400 emergency.

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Customer Reviews

Become one of the 500,000+ customers that trust OppLoans for their funding needs!

James D
James D

The customer service, the fair interest rate, and the integrity of the company and its employees has far exceeded what I had anticipated.

Johnny
Johnny

The entire process was easy. I was happy to work with them. Never thought I would ever get a loan but they really came through for me.

Bobby S
Bobby S

I have never had any negative correspondence with any of the customer service personnel and they have been a blessing to me financially. There when you need them.

Quinn K
Quinn K

OppLoans helped me through this rough time of the COVID-19 outbreak. I got let go from my job and they were able to come up with a resolution for paying back my current loan.

Sienna K
Sienna K

Transparent rates. Easy application process. User friendly website. Options for repayment flexible should the need arise. Customer focused policies

Judith S
Judith S

A very good experience. Everyone was professional and respectful. The money was in my account the next morning. I would recommend them to anyone looking for a loan.

Marquitta
Marquitta

OppLoans reported on time every month to the credit bureaus, the payments were really low, there was no hassle and the whole process was quick and easy.

Micky D
Micky D

Truly unique. I like that I can speak with someone right away, I had to call today to move my payment and they were helpful.

James U
James U

The rates were good, I have terrible credit and they were the only ones to approve me for a loan and they were very quick as well.

Kat
Kat

Sophisticated representatives who treat you with respect. My loan was funded in one day. Thank you Opp.

Wilfrido S
Wilfrido S

Great experience OppLoans has been extremely friendly and helpful in my application process. Thank you OppLoans.

Curtis
Curtis

The representative was great. Explained everything and was very patient with me. Definitely first class.

Henry R
Henry R

OppLoans is by far the best, I was well informed every step of the way. Very easy to work with. Great customer service.

Sandy
Sandy

Friendly service, calls are made within the 24 hours. Made everything online easy.

Violet
Violet

Great Experience!! The entire process was easy and very fast approval. The customer service was above and beyond my expectations.

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Testimonials reflect the individual's opinion and may not be illustrative of all individual experiences with OppLoans.

Why Choose OppLoans?

Apply Now!
Applying does NOT affect your FICO® credit score!
  • Quick Approvals

    Get approved today with an easy online loan application!

  • More Affordable Payments

    Payday loans average an APR of 400%. Compare to maximum 199% APR offered through OppLoans!

  • Fast Funding

    Once approved, receive money in your account as soon as the next business day!

  • Personal Service

    We treat our customers like family. Become one of the 300k+ customers that trust Opploans for their funding needs.

© 2020 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.

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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.

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