More affordable personal loans
to help build your credit history.

Applying does NOT affect your FICO® credit score!

OppLoans offers
personal installment loans!

What are Installment Loans? 

An installment loan is an agreement between a borrower and lender. The borrower takes out a loan (say $1,000) and agrees to repay it, plus interest, in installments over time.

If this sounds like your situation, an online installment loan from OppLoans could be a solution for you. With OppLoans online personal installment loans, you might be able to get between $500 to $4,000 delivered into your bank account as soon as the next business day.

How do I apply for an installment loan?

The OppLoans online application process is easy and secure! Just click “Apply Now” below or at the top of this page.

Loan advocate ready to help you.

Build Credit History.
Better Service. Fast Funding.

Typical OppLoans Installment Loans Typical Payday Loans Typical Title Loans
Loan Amount $500 to $4,000 $100 to $1,000 $100+
APR 99 - 199% 400% 300%+
Term 6 to 36 months 14 days 15 to 30 days
May build credit history X X
No collateral needed X X

Common Questions:

Are Installment Loans good?

An installment loan from BBB-accredited lender with high customer ratings like OppLoans, could be a payday loan alternative for you. Always do your research and make sure you can actually afford the loan being offered.

Do installment loans build credit?

Borrowing an installment loan and making regular on-time repayments might help
improve your credit history if your lender reports on-time payments to one or more of the major credit bureaus.

Except for Texas residents, OppLoans reports payment history in every state we service to all three major credit bureaus—Transunion, Experian, and Equifax.

Are installment Loans secured or unsecured?

OppLoans installment loans are not secured. You don’t need to risk your next paycheck
or your car title. Check out our financial terms glossary for more on the difference
between secured and unsecured loans.

How many installment loans can you have?

With OppLoans, you can take out one installment loan at a time. However, at the end of
your term, you may be able to refinance your loan. If you are eligible to refinance,
you will see a “Refinance Now” option in your customer portal.

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