More affordable personal loans
to help build your credit history.

Applying does NOT affect your FICO® credit score!

OppLoans offers
bad credit personal loans!

Need money now but bad credit is holding you back? You still have options.

Does this sound like you? You’re looking for a personal loan to get you through a financial emergency but can’t get traditional bank or credit union financing because of a bad credit score.

Don’t despair and don’t fall into a predatory debt trap like a payday loan or title loan.

There are bad credit loans available from reputable online lenders. If you do your research, ask the right questions, and make sure you’re only borrowing what you can afford to repay, you can find the right bad credit loan for you.

Loan advocate ready to help you.

Build Credit History.
Better Service. Fast Funding.

Head to our Rates & Terms page to learn more.

OppLoans vs. other lenders.

OppLoans Payday Loans Title Loans
Loan amount $500 - $4,000 $350 $959
APR 99 - 199% 339%+ 291%+
Term Up to 36 months 14 days 1 month
Ability to build credit history†
No collateral needed

Common Questions:

Do you look at my credit score?

Applying for a personal loan through OppLoans does NOT affect your FICO® score. Why not? Because OppLoans doesn’t perform credit checks through the three major credit bureaus. Instead, when you apply through the OppLoans website, your credit score is provided by Clarity Services, Inc., a credit reporting agency. This is called a “soft inquiry” and we do this in order to determine your eligibility for a personal loan. This soft inquiry will not be visible to third parties.

What will my interest rate be?

The rates and terms for personal loans and credit products through OppLoans vary state-by-state. You can check out the specific rates and terms in your state here.

The typical cost of a personal loan through OppLoans is between 99–199% APR and terms can last up to 36 months.

OppLoans is significantly cheaper than typical payday loans, which have an extremely high APR (the average is 400%!).

Compared to products like payday loans and title loans, OppLoans products may fit your repayment needs better, can help you build credit history and they don’t carry the risk of losing your car!

How much loan do I qualify for?

Depending on your state and your income, you may qualify for between $500 and $4,000.

The amount you may be eligible for will depend on your state of residence, your income and ability to repay, and your creditworthiness. Please click on the article below for more state specific information!

For more information about the product options and lender(s) in your state, please visit our Rates and Terms page.

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