More affordable personal loans
to help build your credit history.

Applying does NOT affect your FICO® credit score!

OppLoans offers
personal installment loans!

What are Installment Loans? 

An installment loan is an agreement between a borrower and lender. The borrower takes out a loan (say $1,000) and agrees to repay it, plus interest, in installments over time.

If this sounds like your situation, an online installment loan from OppLoans could be a solution for you. With OppLoans online personal installment loans, you might be able to get between $500 to $4,000 delivered into your bank account as soon as the next business day.

How do I apply for an installment loan?

The OppLoans online application process is easy and secure! Just click “Apply Now” below or at the top of this page.

Loan advocate ready to help you.

Build Credit History.
Better Service. Fast Funding.

Typical OppLoans Installment Loans Typical Payday Loans Typical Title Loans
Loan Amount $500 to $4,000 $100 to $1,000 $100+
APR 99 - 199% 400% 300%+
Term 6 to 36 months 14 days 15 to 30 days
May build credit history X X
No collateral needed X X

Common Questions:

Are Installment Loans good?

An installment loan from BBB-accredited lender with high customer ratings like OppLoans, could be a payday loan alternative for you. Always do your research and make sure you can actually afford the loan being offered.

Do installment loans build credit?

Borrowing an installment loan and making regular on-time repayments might help
improve your credit history if your lender reports on-time payments to one or more of the major credit bureaus.

Except for Texas residents, OppLoans reports payment history in every state we service to all three major credit bureaus—Transunion, Experian, and Equifax.

Are installment Loans secured or unsecured?

OppLoans installment loans are not secured. You don’t need to risk your next paycheck
or your car title. Check out our financial terms glossary for more on the difference
between secured and unsecured loans.

How many installment loans can you have?

With OppLoans, you can take out one installment loan at a time. However, at the end of
your term, you may be able to refinance your loan. If you are eligible to refinance,
you will see a “Refinance Now” option in your customer portal.

© 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.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

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

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.

† 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

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 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.