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Frequently Asked Questions

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We don’t have a minimum FICO or Vantage score to qualify for our loan. Instead, we look at various factors from the alternate credit bureaus and your bank data to determine your eligibility.

You are only allowed to have one active loan per customer at any one time. If you pay off your loan in full or become eligible to refinance your loan, you may apply again for another loan.

If your application was denied, you will receive a Notice of Adverse Action with information regarding your denial. If you did not receive the Notice of Adverse Action, or have additional questions regarding your denial, please Contact Us and our Advocates will assist you.

If you completed the bank verification process and would like to talk about changing your loan amount, please Contact Us and our Advocates will assist you.

Once your last payment clears and your loan is paid off, you can immediately apply for a new loan. To check your balance or apply for a loan, sign into your account here.

You may be eligible to reapply at any time; however, in most cases we suggest that you wait 30 calendar days prior to reapplying, unless you withdraw your application or your application expired. For more information about why you were denied, please see your Notice of Adverse Action. Sign into…
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To start your application, click Apply Now. You cannot submit an application over the phone, in person, or via email. If you have any questions regarding the application process, please Contact Us and our Advocates will assist you.

In order to submit an application that our underwriting can review, applicants must: Reside in one of the states we operate in Be at least 18 years old (or 19 in Alabama and Nebraska) Have a regular source of income (Income can be from employment or from benefits including Social…
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To check on the status of your application or loan, sign into your account here. If you have any additional questions about the status of your application or loan, please Contact Us and our Advocates will assist you.

Yes. Bank Verification is a quick and secure process that provides OppLoans with a read-only snapshot of your recent banking transactions to help us verify your identity and financial information. By logging in with your online banking credentials, OppLoans is able to process your application faster, getting you a decision…
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There are multiple reasons the bank verification step may not be successful. Below are the most common errors and tips for success: Ensure you are using a stable Internet / Wifi connection. If your banking institution is not listed, you can manually upload 90 days worth of bank statements through…
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When you apply through the OppLoans website, OppLoans pulls your credit report in order to provide you with a loan offer. This soft inquiry will not be visible to third parties and will not impact your FICO® credit score.

Bank Verification is a quick and secure process that provides OppLoans with a read-only snapshot of your recent banking transactions to help us verify your identity and financial information. By logging in with your online banking credentials, OppLoans is able to process your application faster, getting you a decision as…
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You will receive an email notification if your application has been approved, so please make sure your email is correct when you create your account!

We do not currently accept applications by phone. However, our online application process is quick and easy—we promise! Just click “Apply Now” at the top of this page or visit Apply Now to begin the application on your computer, smartphone or tablet!

The receipt of your funds will vary based on the time at which your application was approved. You will receive an email notification once your loan is approved. Monday through Thursday: If your application is approved before 8:00 PM CT from Monday through Thursday, you can expect your funds the…
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You cannot cosign on behalf of another applicant, nor can someone cosign on your behalf. You must apply on your own to qualify for a loan.

There are some instances where proof-of-income is required prior to your application being approved, including: If you receive alimony If you receive disability benefits If you receive social security benefits If you reside in IL or NV a paystub is required Proof-of-income may include a government benefits award letter or…
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Consumer products offered through the OppLoans website range from $500 to $4,000, but your eligibility will depend on your state of residence, your income and ability to repay, and your creditworthiness. For more information about the product options and lender(s) in your state, please visit our Rates and Terms page.

We work hard to offer you a quick and convenient process. Once your application is approved, funds are typically deposited in your account as soon as the next business day. The actual time it takes the funds to appear in your account depends on your financial institution.  Generally, if your loan…
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© 2021 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 .

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, 2021.

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.


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.