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 the 500,000+ customers that trust OppLoans³
Get a decision today with an easy online loan application!¹
Payday loans average an APR of 400%.⁵ Compare to maximum 160% APR offered through OppLoans!
Once approved, receive money in your account as soon as the next business day!¹
We treat our customers like family. Become one of the 500k+ customers that trust Opploans for their funding needs.
Become one of the 500,000+ customers that trust OppLoans for their funding needs³!
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. Amount of loan is based on applicant’s qualifications. Not all applications are approved. Approval may take longer if additional verification documents are requested. Not all loan requests are approved. Approval and loan terms vary based on credit determination and state law. Funds are typically deposited via ACH for delivery for next business day if verification is completed and final approval occurs before 8:00 PM CT, Monday-Friday. 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. 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 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.