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Visit the OppLoans COVID-19 information page for additional resources and help during this emergency

Fast funding1.Affordable payments2. Personal3 service

The money you need4,
when you need it

Apply now
Applying does NOT affect your FICO® credit score!

Fast funding1.Affordable payments2. Personal3 service

The money you need4,
when you need it

Apply now
Applying does NOT affect your FICO® credit score!

Apply for Online Installment Loans Through OppLoans

Online loans that meet your borrowing needs. Apply for an online installment loan!

Who we help

Americans need access to credit. Learn how OppLoans helps.

Customer Reviews

Become one of the 500,000+ customers that trust OppLoans or their funding needs!

Testimonials reflect the individual's opinion and may not be illustrative of all individual experiences with OppLoans.

Why Choose OppLoans

Quick Approvals

Get approved today with an easy online loan application!

Fast Funding

Once approved, receive money
in your account as soon as the next
business day!

More Affordable Payments

Payday loans average an APR of 400%. Compare to maximum 199% APR offered through OppLoans!

Personal Service

We treat our customers like family. Become one of the 300k+ customers that trust Opploans for their funding needs.

Read Report
Applying does NOT affect your FICO® credit score!

© 2020 Opportunity Financial, LLC. All Rights Reserved. Use of Opportunity Financial, LLC is subject to our Terms of Use, Privacy Policy, and Additional Disclosures.

1Subject 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.

2OppLoans 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.

3According 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

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Applications submitted on this website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Sandy, UT, member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans. Please refer to our Rates and Terms page for more information.

CA residents: Opportunity Financial, LLC is licensed by the Commissioner of Business Oversight (California Financing Law License No. 603 K647).

DE residents: Opportunity Financial, LLC is licensed by the Delaware State Bank Commissioner, License No. 013016, expiring December 31, 2019.

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.

OH & TX residents: Opportunity Financial, LLC is a Credit Services Organization/Credit Access Business that arranges loans issued by a third-party lender. Ohio Credit Services Organization Certificate of Registration No. CS.900195.000.

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.

Based on customer service ratings on Google and Facebook. Testimonials reflect the individual’s opinion and may not be illustrative of all individual experiences with OppLoans. Check loan reviews.

* 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. Applications processed and approved before 7:30 p.m. ET Monday-Friday are typically funded the next business day.

Rates and terms vary by state.

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.- 10 p.m. and Saturday and Sunday between 9 a.m. – 5 p.m. Central Time, or by sending an email to help@opploans.com.

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California Residents, view the California Disclosures and Privacy Policy for info on what we collect about you.