More affordable personal loans
to help build your credit history.

Applying does NOT affect your FICO® credit score!

OppLoans offers
bad credit personal loans!

Need money now but bad credit is holding you back? You still have options.

Does this sound like you? You’re looking for a personal loan to get you through a financial emergency but can’t get traditional bank or credit union financing because of a bad credit score.

Don’t despair and don’t fall into a predatory debt trap like a payday loan or title loan.

There are bad credit loans available from reputable online lenders. If you do your research, ask the right questions, and make sure you’re only borrowing what you can afford to repay, you can find the right bad credit loan for you.

Loan advocate ready to help you.

Build Credit History.
Better Service. Fast Funding.

Head to our Rates & Terms page to learn more.

OppLoans vs. other lenders.

OppLoans Payday Loans Title Loans
Loan amount $500 - $4,000 $350 $959
APR 99 - 199% 339%+ 291%+
Term Up to 36 months 14 days 1 month
Ability to build credit history†
No collateral needed

Common Questions:

Do you look at my credit score?

Applying for a personal loan through OppLoans does NOT affect your FICO® score. Why not? Because OppLoans doesn’t perform credit checks through the three major credit bureaus. Instead, when you apply through the OppLoans website, your credit score is provided by Clarity Services, Inc., a credit reporting agency. This is called a “soft inquiry” and we do this in order to determine your eligibility for a personal loan. This soft inquiry will not be visible to third parties.

What will my interest rate be?

The rates and terms for personal loans and credit products through OppLoans vary state-by-state. You can check out the specific rates and terms in your state here.

The typical cost of a personal loan through OppLoans is between 99–199% APR and terms can last up to 36 months.

OppLoans is significantly cheaper than typical payday loans, which have an extremely high APR (the average is 400%!).

Compared to products like payday loans and title loans, OppLoans products may fit your repayment needs better, can help you build credit history and they don’t carry the risk of losing your car!

How much loan do I qualify for?

Depending on your state and your income, you may qualify for between $500 and $4,000.

The amount you may be eligible for will depend on your state of residence, your income and ability to repay, and your creditworthiness. Please click on the article below for more state specific information!

For more information about the product options and lender(s) in your state, please visit our Rates and Terms page.

© 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.