About us

We are a leading financial technology platform focused on helping middle income, credit-challenged consumers build a better financial path. Our mission driven culture means we keep the customer at the center of everything we do. We are passionate about creating accessible lending products that deliver a top-rated customer experience to the millions of Americans who are turned away by traditional providers.

Our Mission

To provide financial inclusion to the middle income, credit-challenged consumer through the best available products and an unwavering commitment to our customers.

Important numbers

Customers Helped: 500,000+

5-Star Customer Reviews: 10,000+


OppLoans 2019 Diversity & Inclusion Report

It is our vision and responsibility to create a company where every person has equal access to opportunity and the ability to be heard – equal opportunity to safely stretch, grow, and thrive in their role and career. The 2019 Diversity & Inclusion Report summarizes our first step in this valuable journey.

Read the Report

Leadership Team

Jared Kaplan

Chief Executive Officer

Co-Founder and former Executive Vice President at Insureon. Accretive LLC. Goldman, Sachs & Co. BBA from the University of Michigan. Die hard Detroit sports fan.

Todd Schwartz

Executive Chairman and Founder

Managing Principal at Schwartz Capital Group. BBA from Tulane University.

Karishma Patel Buford

Chief People Officer

Former VP of Global Talent at Groupon. Psychologist & Consultant. PsyD from Georgia School of Professional Psychology. BA from UVa. World traveler and die hard foodie.

John O'Reilly

Chief Marketing Officer

15+ years’ data-driven marketing including OptionsHouse, Navistar, and FTD.com. MBA Northwestern University: Kellogg Graduate School of Management, MM Trinity College, Dublin.

Shiven Shah, CFA

Chief Financial Officer

Former US CFO at ABN Amro Clearing. Senior finance positions at PEAK6 and Citigroup. MBA from the University of Pennsylvania. BA from Northwestern University. Armchair quarterback.

Andy Pruitt

Chief Technology Officer

20 years of startups, including CTO & Co-Founder at Backstop Solutions. BA from University of Chicago. Bike commuter, board game connoisseur.

Stacee Hasenbalg

Chief Compliance Officer

Over 20 years in banking and financial services, including Associate General Counsel & US Regulatory Liaison at BMO and Chief Compliance Officer at Avant. JD from UC Berkeley. BA from Purdue University. Mountain climber. Trained pastry chef.

Sal Hazday

Chief Operating Officer

SVP of Small Business Services at ADP, Office Depot, Accenture. MBA from Stanford, BA from Yale. One of the very few Cubans who can’t dance.

Chris McKay

Chief Credit Officer

Risk and Analytics. Formerly Capital One. HSBC. Nearly 20 years of experience across multiple consumer lending products. Fan of data and board games.

Marv Gurevich

General Counsel

Over 10 years in fintech, including Lead Regulatory Counsel at Enova International and Avant. JD from New York Law School, BA from University of Michigan. Avid Michigan fan. Go Blue!

OppLoans Newsroom

Press Releases

1 in 5 Credit-Challenged Young Adults Who Lost Financial Ground in Pandemic Doubts They’ll Ever Fully Recover

1 in 5 Credit-Challenged Young Adults Who Lost Financial Ground in Pandemic Doubts They’ll Ever Fully Recover Survey of credit-challenged Americans from OppLoans finds that a majority of respondents expect it to take at least 4 months to bounce back Chicago, July 6, 2020—According to a new survey from OppLoans,…

Published on: July 06, 2020

OppLoans Applauds Newly-Released Interagency Lending Principles for Banks and Credit Unions Offering Responsible Small-Dollar Loans

OppLoans Applauds Newly-Released Interagency Lending Principles for Banks and Credit Unions Offering Responsible Small-Dollar Loans Guidance further supports the need for financial institutions to provide access to loans for the 60 million credit-challenged Americans, while protecting consumers Chicago, May 27, 2020—OppLoans, a leading financial technology platform that powers banks to…

Published on: May 27, 2020

OppLoans Wins 2020 FinTech Breakthrough Awards For Best Consumer Lending Platform

OppLoans Wins 2020 FinTech Breakthrough Awards For Best Consumer Lending Platform Prestigious awards program recognizes outstanding financial technology companies for their innovation and customer experience Chicago, March 11, 2020—OppLoans, a leading financial technology platform that serves middle income, credit challenged consumers, today announced that it was selected as the winner of the…

Published on: March 11, 2020

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In the News

Embracing Alternative Data in Loan Underwriting Would Provide Win-Win for Credit Access in Pandemic

InsideSources.com: May 18, 2020

According to research from credit bureau TransUnion to measure consumer hardship caused by COVID-19, nearly 70 percent of Americans are currently worried about their ability to pay off bills and loans, anticipating an average budget shortfall of about $1,000.

OppLoans Named one of Crain's Largest Privately Help Companies and #2 for Revenue Growth

ChicagoBusiness.com: Apr 17, 2020

The annual ranking is back and bigger than before.

Read More

Awards & Recognition

LendingTree Top 3 Customer Satisfaction Award
A+ Rating from the Better Business Bureau
BuiltInChicago Top Digital 100
Four time INC. 500 honoree!
Fintech Breakthrough Award 2020

Join the Team

We offer a great compensation and benefits package to support you inside and outside of work as you grow your career with us. Here are a few of our current benefit offerings:

  • 401(k) matching within the 1st 30 days of employment
  • Free PPO Medical Option with BCBS (Employee Only Plan)
  • 3 PPO Medical Options through BCBS
  • Dental benefits that include Adult Ortho Coverage
  • Vision (On-site vision screening offered twice a year)
  • HSA (Includes Employer Contribution)
  • Medical FSA
  • Employer Paid Short Term Disability
  • Dependent Care FSA
  • Transit and Parking FSA
  • 6 Weeks Paid Parental Leave
  • and much much more!

Opportunity Financial, LLC, does business as OppLoans. 

© 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.


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.