Name: OppLoans
Rating: 4.5

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Joe M Barrientos

My rep "Antonio" was patient and wonderful! I wasn't even concerned on the process of approval towards the end of the conversation due to his professional attitude and pleasent smile u can hear over the phone. Great Job

7 years ago

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Esther Harrell Gainesville, VA

I recommend this company because they are courteous, respectful and their approval process is efficient and fast. The system works very fast because they have automated every part of the process.

7 years ago

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Quinton Bacon

Courtney from Opp Loans was extremely courteous, friendly, helpful and above immensely patient and professional. She should be absolutely commended for her ability to ensure the customer is taken care of. Thanks.

7 years ago

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Ann Goley Machesney Park, IL

Dominique was very helpful and easy to understand. She was polite and pleasant to deal with on the phone. This was a very fast and easy process which is what I was looking for.

7 years ago

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Will Houston, TX

I gave them one star because there’s not an option to give less. They sent me a letter saying that I was approved and gave me a code to enter for a loan. I am currently working to build my credit and therefore cannot have my credit ran for no reason they miss lead me to believe that I would get a loan so don’t believe the hype. They say they will give you a loan even with bad credit but they didn’t even give me a smaller loan option but now I have another run on my credit. I don’t normally leave reviews but I think it’s important that others should know just because OppLoans sends you a letter does not mean they will give you a loan……

2 years ago

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James Cash Severn, MD

So I left a review regarding an old account being removed from my credit report (as agreed with over the phone with a customer service rep that I didn’t get in writing, and consequently denied by OppLoans). Today, I received a letter via email congratulating me on paying off the loan (which is years old), the balance is now $0, with a remittance date of 5/19/2021. Only one problem; the loan was paid off years ago. After several minutes of being on hold, the customer service rep said that the letter was a “mistake”. Again, do not trust these people. I am supposed to respect their “mistake”, but yet be held to the extremest letter of the law after experiencing personal hardships, all while trying to do the right thing by them. They have made their money off of me three times over now, and I regret every dollar.

3 years ago Edited September 14, 2021

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Brian Lane ,

I’ve been with the company as a customer for sometime now. Only had 1-2 issues with their customer service and it caused some issues but lucky Shana was there to help and sort things out. Thanks again for the help and the much needed relief.

3 years ago

Reply from OppLoans

Thank you for taking the time to rate us, Brian, we appreciate it. Please let us know what we can do better! You can reach me directly at bmorris@opploans.com. - Ben Morris, Customer Experience Manager

Feb. 10th, 2021

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Monica Dunlap Milton, FL

MS. Karen C. was a pleasure to talk with. She was able to update and get all information taken care of for me in a professional and efficient manner. Thank you!

4 years ago

Reply from OppLoans

Thanks for the amazing feedback, Monica. We appreciate it!

Jan. 11th, 2021

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Amy Anderson Mesa, AZ

They did approve me right away. There texts and emails can be a little on the spam side. But Mike was a fantastic representative! He helped me with all of my issues!

4 years ago

Reply from OppLoans

Thank you for the feedback, Amy. We will look for opportunities to enhance our communication skills. I'm very happy to hear Mike was helpful, and I hope you continue to have a great experience with us!

Jul. 29th, 2020

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Delilah Lacey Titusville, FL

This company is a complete joke! I took out a loan in August 2019 for $1300. My loan is to be paid off in May with a total of $972.80 in interest (which is insane). With everything going on right now after receiving the stimulus check I called today to pay off the rest of my loan which should have been $284. They tell me I owe $443.23 now. Apparently I missed a payment at the end of September that nobody notified me of until now. The manager I spoke with said they sent out 1 email no phone call, letter, or anything! While they had me on hold for a long time I looked up my bank statements. I have made every payment on time except for that one week because my account got hacked and my money stolen so the bank froze everything until it was corrected 3 days later. They are charging me $159.13 in fees for 1 missed payment that I knew nothing about until today! Buyers beware this company is a fraud and will take your hard earned money unfairly with no hesitation! DO NOT GET A LOAN THROUGH THIS COMPANY!!!!

4 years ago

Reply from OppLoans

Hi Delilah, I'm so sorry to hear about your experience. If you still need assistance please call (800) 990-9130 and ask for me.

-Ben Morris

Aug. 20th, 2020

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Alvin Tucker Little Rock, AR

During these extreme hard times with the pandemic. One of your aspiring customers service representatives Mr Jose O was a blessing. This employee deserves to be accommodated and compensated for his loyalty, and dedication to your agency.

4 years ago

Reply from OppLoans

Thank you for the feedback Alvin

Jul. 29th, 2020

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Melissa DOKTOR Eustis, FL

The people at opploans are very nice and very helpful and they answered all my questions to where I can understand God bless you all and stay safe at this time

4 years ago

Reply from OppLoans

Stay safe as well Melissa. Thank you kindly for the positive feedback.

Jul. 29th, 2020

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Anise Williams Portage, IN

I like that whenever I call, I get to talk to a real person and not a recording. Every issue that I have ever had has been resolved with courtesy and compassion.

4 years ago

Reply from OppLoans

I agree Anise! Thanks for the positive feedback.

Jul. 29th, 2020

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David Chicago, IL

I applied for a loan on 12/16/19 for a auto repair job... I get asked for increasing documentation each day until Wednesday 12/18/19. I was under the impression it took 24hrs, but on the phone was told it could take up to 72hrs... Ok, I thought, 5 day's to get a loan... Friday 12/20/19 I get a email to contact them, I get asked to sign the contract and ill receive a call about some crap called a bank call verification, after already having other amounts of creepy personal information... I get no call Friday so I call Saturday, and they say they only do bank calls on the week day... I call today 12/23/19 to let them know when the bank closes and I've been waiting a week to get this done. 6pm now, the bank is closed, it will now be 12/24/19 Christmas Eve and I'm still waiting to be approved by some crap called a bank call.... The rates are good, but if your life depended on this loan, opploans would probably let you die. Only apply if you can wait through their goofy process

4 years ago

Reply from OppLoans

David, I want to make this better. Please call (800) 990-9130 and ask for me.

- Ben Morris

Aug. 20th, 2020

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Lisa McMahon Fort Lauderdale, FL

I don't think its right they say approved fast. I applied on Dec 4th. Called back on 5th to see what they needed to expedite the decision. Needed License copy which i had already uploaded. So she said she has it and Said I should hear back in about 2 hours and looked good should be receiving funds by dec 6th. thats today. Logged on again this morning dec 6 and there is a whole other contract to sign and no one even told me. Good thing I looked. Now the contract says Dec 9th. It will be close to a week just to get an answer on yes or no and I have sent everything needed as soon as I was asked within minutes.

4 years ago

Reply from OppLoans

Lisa, I sincerely apologize for the poor experience. Please call (800) 990-9130 and ask for me so we can sort out any current issues.

- Ben Morris

Aug. 20th, 2020

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Teresa M. El Paso, TX

Amado was a tremendous help! He was friendly, knowledgeable and patient - answering all of my questions regarding my application. He is an asset to your company!

5 years ago

Reply from OppLoans

Amado truly is the great. Thanks Teresa!

Aug. 20th, 2020

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Randall Ballard Lore City, OH

I called opploans because I was having problems uploading the files they needed. Customer service is excellent and handled my problem efficiently and courtesy was top notch!

5 years ago

Reply from OppLoans

Thanks Randall!

Aug. 21st, 2020

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Marjorie Hollywood, FL

GREG was the best customer rep I have delt with. He was patient, knowledgable and was very easy to communicate with. He handled all my questions with excellance.

5 years ago

Reply from OppLoans

Thank you Marjorie, we're glad that you had an easy approval process.

Aug. 21st, 2020

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ROCKY HARPER Tucson, AZ

Opploans is a scam. They are a predatory lender who do absolutely nothing to help anyone ever. For example-I borrowed 1200 I paid 5 payments of 106 totaling 530. I called in to these so called amazing customer service reps and asked for an extension. They were more than happy to absolutely not help me at all not even a tiny bit. Then they had the audacity to tell me the balance of my account 1180 left to pay. Now I'm no math wiz but am a genius and you don't have to be even partly intelligent to understand that thia does not add up. I contacted 1 of my relatives about opploans who informed me they could not comment on an open federal investigation. Long story short now this so called great company who violated our original contract by the way which was 13 bi-weekly payments of 106 which would total 1320- has hit my credit report. The only solace I have is that maybe just maybe I will actually be able to buy the house I have been trying to find a LEGAL way to buy in 7 years. Beware of this predatory, enemy of us working folks.

5 years ago

Reply from OppLoans

Hi Rocky, thank you for your honest feedback. We agree that this is a high interest rate loan that should only be used in emergency situations. This is why we are currently testing lower interest rate products for customers who quality. Stay tuned and please keep sharing your thoughts.

Nov. 3rd, 2020

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Maelynn R Martin Lebanon, OR

First of all, they sent me a letter saying I was "pre approved" for a loan. In most cases, when you get pre-approval you receive approval after applying. I've never applied before so I'm not sure how they got my information and mailing address. I checked out the website, where they advertise incredibly "low interest rates" with comparisons to other options. I went ahead and applied due to my pre-approved status. It broke down what they could offer me, which was a $1000. After interest I wouldve been paying them back over $1600. So much for low rates. But I've been working on my credit and it has been improving but I'm still continuing to work on it, so I decided to agree and sign the document. Then after showing me what I was approved for, and having me sign and date the document, it says it they'll be in touch to let me know if I was truly approved. I'm not sure why I was present with the amount they "approved" me for and a legal document agreeing to the terms and conditions of the loan if they still had to decide further. They state you will be notified in the next 24 hours of their decision. So I waited and waited and didnt here anything so I called the company. I told the customer service rep that I was checking up on my application. After taking my info he proceeded to tell me that my application ended up being denied and I should have received an email explaining. I explained to him that I did NOT receive any email from them. I also asked him why they would send me a pre-approval letter just to turn around and deny me. He said, and I quote, "those letters are really just part of our marketing." They send out fake pre-approval letters, to get you to apply. This company is a total joke. Do not fall victim and waste your time.

5 years ago

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Mike Phoenix, AZ

I had 2 loans back to back with this company and paid them both off early more than 3 months ago. Yet they still show on my Credit Report as open loans. I've talked to Reps at their main # many times and was promised Opp Loans / Finwise would get the information updated on Experian and Transunion Credit Reports but nothing has changed as of June 30, 2019. Credit Karma claims they have tried to get info updated but no luck there either. If you borrow from this company be sure to follow up to confirm information is accurate on your Reports.

5 years ago

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P Fields Riverdale, IL

I would never recommend this company. I got my loan which was great but I paid it off after the very first payment actually I paid it off before the first payment came out. A couple of days before the first payment was scheduled to come out. They still took the first payment out. It has been going on 3 weeks now that I requested for my money back they have not refunded me my money. Then they tell me oh you shouldn't have paid the whole loan off if a loan it's supposed to be paid back that's what I did. It stated in the contract you can pay it off ahead of time without penalties that's what I did. However now my account is overdrawn because they refusing to put the money back they claim they're doing it but three weeks after person asked you to do it makes no sense. Then they get nasty on the phone with you because you asking for your money back had the nerve to tell me what you know if you want the money back quickly you can take out another loan. The strong arm and a person I'm going to wait this out and I'm going to sue their asses for everything that bounced because they took out that extra payment. Then they tell me oh you should have called us when you was making your payment but when you call them it says we do not do loans over the telephone so what would make me think of anyone think the pay it back that they would do it over the telephone. I will never use opploans again. I have you other companies and have gotten loans and pay them back very quickly to minimize my expenses. This is the only company that I ever dealt with that tells you it's going to take 12 to 15 days to refund something when it only takes 24 hours for them to put the money in your account. People be very very leery of this company is not what It Seems

5 years ago

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Ray M Park City, UT

Bad customer service, incompetent and inconsistent. The first loan of $2k few months ago was fast, easy and smooth. I did it online. I paid off that loan few days ago and decided to reapply because I had an emergency. I did it again online and they only approved $1500 initially. Since I had a little problem with my direct deposit from my job and I explained to the customer service to no avail. I sent my other latest paycheck from my other job that has a direct deposit. She also required me to submit my income for 2018. And take note, my two latest paychecks from my two jobs have a total earnings of around $3100 in two weeks of working! She also mentioned that I have the option to wait on the 25th for my other job's direct deposit but still they denied my application. It was actually a lie and very unprofessional. I am working in hospitality industry for so many years and these guys need more training about customer service. I dont normally write reviews online but the management should know what is going on. They cannot get any business from me anymore

5 years ago

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TB Athens, AL

Monique took the time to process my application and within 1 hour, she had already followed up with a phone call to inform me that I was approved. Great job!

5 years ago

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Jacqueline Thompson Boligee, AL

Thanks to Amy this process ended better than it started. She was patient and she knew what she was doing and that made it easy for me to complete this process. Thanks Amy

6 years ago

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Michelle Stolp Dallas, TX

From application process to funding, someone was always in contact with me. I would DEFINITELY recommend these guys!!! EXCELLENT CUSTOMER SERVICE !!!

7 years ago

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Hope Smith Chicago, IL

Opploan took away the anxiety of getting emergency funds. Everything was handled with professionalism and within 24 hours. I recommend this business to meet any urgent need.

7 years ago

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Joe Jackson, MS

Not really happy with the payback amount or bi-weekly high payments, but if your needing the money I'd recommend them, and the costumer service was hands down great

7 years ago

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Imani Woullard IL

Lance was freaggin awesome. There was some confusion on my refinance; he was was patient and VERY thorough (even with my quiet frustration). I'll ask for him from now on.

7 years ago

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Jim Kellner

Incredibly rude customer service agents. I called to find out how much I’d be replaying in total because they have been taking payments out of my account for nearly 2 years. The loan should have been taken care of long ago. Total scam company, do not trust them. Reporting to BBB now and applicable federal agencies.

11 months ago

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Andrew Cruz San Francisco, CA

Easy process start to finish. Contact and they will help you if experience any issues or need to make payment. Returning customer

2 years ago

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E.S. Westminster, CA

I was very unhappy with Neko (Supervisor). Even though she may not make the policy, they only reward people who does not pay their loans back. I asked if they could wave some of the fees, being that I’ve never been late on my loans to do an early pay off to make it easier for me. During this pandemic, most of us needs help and when I was told no because I signed a contract, this is unacceptable. Fees can be waived in any situation.

3 years ago

Reply from OppLoans

Hello - I am extremely sorry to hear about your experience and want to look into this for you. Would you mind reaching out to me directly at bmorris@opploans.com? - Ben Morris, Customer Experience Manager

Feb. 10th, 2021

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Marcellus Vanderhorst Jacksonville, FL

Tracy was definitely a big help in helping me with payment arrangement after having to take time off during this pandemic. Thank you

3 years ago

Reply from OppLoans

Thank you, Marcellus!

Feb. 8th, 2021

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Daniel Amparano ,

This company really cares about the people it offers it's services to they're all around great with customer service thank you Rose .

3 years ago

Reply from OppLoans

Thank you for the great feedback, Daniel!

Jan. 19th, 2021

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Ahornbeck Romeoville, IL

Spoke with Jordan today and god I love her and this company. They truly look out for their people and in the times like now, its needed.

4 years ago

Reply from OppLoans

Thank you! We're glad we were able to help you with your loan.

Jul. 29th, 2020

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tpavy2017 Valparaiso, IN

OppLoans is always easy to work with. I had my approval for my loan the same day!! Customer service has always been very helpful and friendly.

4 years ago

Reply from OppLoans

I'm so glad we could help!

Aug. 4th, 2020

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Sara Jones Hemet, CA

Opp Loan was the first loan I ever took out in my life and I truly regret it, Im happy I got my taxes back in time to pay it off quickly because the interest is CRAZY. I would pay the interest off and my minimum payment and then 2 weeks later I have another 40 dollars of interest plus my 99 dollar payment. RIDICULOUS. And my credit isn't bad either so I feel for those with a bad credit score. I do not recommend App Loan. Go to a credit builder loan if you can.

4 years ago

Reply from OppLoans

Hi Sara, I want to make this better for you. Please call (800) 990-9130 and ask for me.

- Ben Morris

Aug. 20th, 2020

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Curtis Akron, OH

The representative was great. Explained everything and was very patient with me. Definitely first classs. Great job Viri!!!

4 years ago

Reply from OppLoans

Thanks Curtis!

Aug. 4th, 2020

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Lisa Renee Morgan Henderson, NV

If theres any problem that you have with payments.. Very easy to work with and Customer Service is easy to talk to with any problems that arises..

5 years ago

Reply from OppLoans

Thank you for the wonderful review Lisa!

Aug. 21st, 2020

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Leslie Chesapeake, VA

i applied for a loan from this company they paid off the credit card did not put the money in my account, Then they told me to go purchase a gift card put the money on the card and send it to them, I see the amount posted but but when I called my bank they said that believe it could be a scam, Have anyone had opps do this to them, Because I see everyone talking about Bank accounts but I see no one with credit card info please advised if there is such

5 years ago

Reply from OppLoans

Hi, I'm the Manager of Customer Success and am very proud of our company and customer service. We work very hard to provide an exceptional experience for all customers seeking access to credit. But sometimes we get it wrong and I'd be happy to look into whatever issues you have had to see if we can remedy. Please contact me at bmorris@opploans.com.

Aug. 21st, 2020

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Pauline Fredericksburg, VA

The process was simple, but like a lot of others I was denied after being told I was pre approved through Credit Sesame. I own 3 homes on the East Coast, paid for and several new and vintage vehicles paid for but not having any credit debt doesn’t help. So was a waste of my time thinking I was trying to build credit.

5 years ago

Reply from OppLoans

Hi Pauline, I am sorry that you were not approved for a loan at this time. - Ben Morris (Customer Success Manager)

Aug. 21st, 2020

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Mrs D Indianapolis, IN

Lisa was Awesome on the phone! She was very helpful and customer driven! This is my fist time with them and what a great experience! Thanks Lisa!

5 years ago

Reply from OppLoans

Thanks!

Oct. 8th, 2020

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Anthony Vance Everett, WA

Had alot of questions but Jordan P was able to help me through it all quickly and professionally...Thank you so much for the help Jordan!!!

5 years ago

Reply from OppLoans

I am so happy Jordan helped you out!

Nov. 3rd, 2020

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Lisa Dallas, TX

I love OPP Loans. They made my life so much easier and convenient. Conner helped me and was amazing!! Thank you Opp Loans!!!!

5 years ago

Reply from OppLoans

Thanks for the amazing feedback Lisa!

Nov. 3rd, 2020

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Rachel Portland, OR

I borrowed $1300 from this tacky Company. Refi’d 3 times; never more than initial $1300. With each Refi my credit score dropped 10 points because opp loans reports it as a “closed account” not as a Refi!! Which is a negative when they report it to the Credit Reporting Agencies. My advice, NEVER REFINANCE with these people!! I called them to get those entries removed but Opp Loans refused. Best advice; DON’T DO BUSINESS with Opo Loans, they’re sketchy.

5 years ago

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Anthony Burke Apache Junction, AZ

I was trying to pay some of the loan off, but was told i couldnt do that. i had to pay the payment first. so if your looking to pay your loan off with them you can forget it. wish i never

5 years ago

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S.E. Houston, TX

Qiana in the payment department was extremely professional and helpful. I really appreciated her willingness to help me resolve my account concerns.

5 years ago

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Rose Yuma, AZ

Saved me when I needed the help most! Paying back was easy & never missed a payment due to having it deducted automatically.

5 years ago

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Katelynn Cincinnati, OH

luis is great and definitely did great with helping me get my payment dates changed due to a new payday schedule he definitely went above and beyond!

5 years ago

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helen collins Skokie, IL

I had a great experience with opploans Monique made my experience even that much better as she patiently walked me through the process.

5 years ago