$500 - $4,000. Quick Decisions. Terms up to 24 months!

Online Personal Loans

Do you need a fast personal loan?

OppLoans provides more affordable personal loans through an easy online application process. Experience top-rated personal service. We treat our customers like family!

How Does It Work?

  • 1. Apply

    Fill out our fast and easy online application in minutes!
  • 2. Verify Income

    Securely connect your bank account.
  • 3. Review Agreement

    Review and accept your loan's repayment agreement.
  • 4. Get a Decision

    You will be provided a decision quickly! If approved, you may be funded as soon as the next business day!

(Additional verification and documents may be required before you get a decision and receive any funds)

Online personal loans that meet your borrowing needs.

Get Started

Applying does NOT affect your FICO® credit score!

Our customers use us for:

Medical Loans

Medical Loans

Auto Repairs

Auto Repairs

Debt Consolidation

Debt Consolidation

Home Repairs

Home Repairs


What are personal loans?

A personal loan is a type of installment loan with a fixed interest rate and fixed repayment terms. OppLoans personal loans are not secured by collateral, such as a car or your paycheck!

How do personal loans work?

Financial institutions such as banks, credit unions, and online lenders issue personal loans. A typical personal loans will have terms and conditions that will establish the time period for loan repayment, the interest rate, and the monthly payment amount.

Every lender has different qualifications it uses to determine creditworthiness. Lenders assess your credit history, credit score, and income during the application process to decide whether or not you qualify for a loan. Approval times and loan amounts vary depending on the lender.

Are personal loans bad?

Personal loans can help borrowers reach their financial goals or cover an unexpected bill. For borrowers with bad credit, personal loans can have high interest rates and origination fees. It’s best to do your homework to find the best loan options for you!

Personal loans may also help build your credit history. Depending on your lender, making consistent on-time payments can boost your credit score. Missing payments or late payments would likely hurt your credit.

Where can I get personal loans with bad credit?

It is possible to qualify for a personal loan with bad credit. Some loan companies specialize in issuing loans to borrowers with bad credit and will let you pre-qualify to check rates. Compare rates to find the best lender and loan terms for your financial needs.

What are personal loans used for?

Borrowers can use personal loans for a variety of purposes including emergency expenses and debt consolidation. Paying for medical bills, home improvements, car repairs, and major life events are all common uses for personal loans.

Can I get a personal loan for debt consolidation?

Personal loans can be used for debt consolidation for debts such as credit cards, medical bills, and payday loans. Debt consolidation loans may give you lower loan payments so you can pay off debts faster and streamline payments.

© 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.