$500 - $4,000. Quick Decisions. Terms up to 24 months!

Online Personal Loans

Do you need a fast personal loan?

OppLoans provides more affordable personal loans through an easy online application process. Experience top-rated personal service. We treat our customers like family!

How Does It Work?

  • 1. Apply

    Fill out our fast and easy online application in minutes!
  • 2. Verify Income

    Securely connect your bank account.
  • 3. Review Agreement

    Review and accept your loan's repayment agreement.
  • 4. Get a Decision

    You will be provided a decision quickly! If approved, you may be funded as soon as the next business day!

(Additional verification and documents may be required before you get a decision and receive any funds)

We help people looking for:

Online personal loans that meet your borrowing needs.

Get Started

Applying does NOT affect your FICO® credit score!

Our customers use us for:

Medical Loans

Medical Loans

Auto Repairs

Auto Repairs

Debt Consolidation

Debt Consolidation

Home Repairs

Home Repairs


What are personal loans?

A personal loan is a type of installment loan with a fixed interest rate and fixed repayment terms. OppLoans personal loans are not secured by collateral, such as a car or your paycheck!

How do personal loans work?

Financial institutions such as banks, credit unions, and online lenders issue personal loans. A typical personal loans will have terms and conditions that will establish the time period for loan repayment, the interest rate, and the monthly payment amount.

Every lender has different qualifications it uses to determine creditworthiness. Lenders assess your credit history, credit score, and income during the application process to decide whether or not you qualify for a loan. Approval times and loan amounts vary depending on the lender.

Are personal loans bad?

Personal loans can help borrowers reach their financial goals or cover an unexpected bill. For borrowers with bad credit, personal loans can have high interest rates and origination fees. It’s best to do your homework to find the best loan options for you!

Personal loans may also help build your credit history. Depending on your lender, making consistent on-time payments can boost your credit score. Missing payments or late payments would likely hurt your credit.

Where can I get personal loans with bad credit?

It is possible to qualify for a personal loan with bad credit. Some loan companies specialize in issuing loans to borrowers with bad credit and will let you pre-qualify to check rates. Compare rates to find the best lender and loan terms for your financial needs.

What are personal loans used for?

Borrowers can use personal loans for a variety of purposes including emergency expenses and debt consolidation. Paying for medical bills, home improvements, car repairs, and major life events are all common uses for personal loans.

Can I get a personal loan for debt consolidation?

Personal loans can be used for debt consolidation for debts such as credit cards, medical bills, and payday loans. Debt consolidation loans may give you lower loan payments so you can pay off debts faster and streamline payments.

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