What are the requirements to apply?
Be 18 or over***
Regular source of income***
Checking or savings account***
Direct deposit***(NM residents exempt)
***For more information, please visit FAQ's.
Why Choose OppLoans?
Become one of our loyal customers that trusts OppLoans for their funding needs!
Top-Rated, Personalized Service
Easy to Apply
Our online application process prioritizes speed, security, and simplicity.
Trust our Loan Advocates to be with you from application through payoff.
Build Credit History
Same-Day Funding Available
Approved for an Online Loan through OppLoans? If approved, you may receive money in your account as soon as the same business day.¹
We report payments to all three credit bureaus. On-time payments can help get you to a better financial place.⁶
See more of our reviews on Google³!
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.
The customer service, the fair interest rate, and the integrity of the company and its employees has far exceeded what I had anticipated.
Transparent rates. Easy application process. User friendly website. Options for repayment flexible should the need arise. Customer focused policies
Testimonials reflect the individual's opinion and may not be illustrative of all individual experiences with OppLoans.
Fast funding.¹ Quick decisions. Personal service.
The money you need,when you need it.
Applying does NOT affect your FICO® credit score!²
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.
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 may be deposited for delivery to your bank via ACH as soon as the same business day if verification is completed and final approval occurs before 12:00 PM CT on a business day. If approval occurs after 12:00 PM CT on a business day or on a non-business day, funds may be delivered as soon as the next business day. Availability of the funds is dependent on how quickly your bank processes the transaction.
² OppLoans may use credit report information provided by Clarity Services and Experian as part of the application process to determine your creditworthiness. Neither credit inquiry will appear as a hard credit inquiry on your Experian credit report and therefore they will not affect your FICO score.
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 160% and loan sizes range from $500 to $4,000. https://paydayloaninfo.org/facts
⁶ OppLoans reports customer payment history to the three major credit bureaus. On-time payments may improve credit score.
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 firstname.lastname@example.org.
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 email@example.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.