OppLoans are offered by Opportunity Financial, a Chicago-based lending company that specializes in offering personal loans to consumers. Founded in 2009, OppLoans, also known as Opportunity Financial, is well-respected by customers and the lending industry alike. The company has an experienced leadership team and strives to make the lending process as simple as possible for its borrowers.

This lender specializes in personal loans for people with poor credit, but your state of residence determines whether you are eligible for either an installment loan or a line of credit. The loans are billed as a lower-cost alternative to predatory payday loans. While their lending rates are still high, they are some of the best in the short-term and payday lending industries. OppLoans interest rates run between 59-199% APR, while payday lenders average over 400%. 

In addition to lower interest rates, this financial institution offers much longer repayment terms than traditional payday loans carry. Typically, payday loans are meant to be paid by your next payday, so borrowers have to pay back their loan quickly. With installment loans, terms can last up to 3 years, for a lower-stress, more manageable repayment process. 

Whether you borrow through an installment loan or a line of credit, regular or monthly payments are required; however, with OppLoans, you can borrow more—up to $4,000, with a lower interest rate, for a longer period of time. 

Application requirements include:

  • Residence in an available state
  • 18 years old—19 in Alabama and Nebraska
  • Regular income
  • Checking or savings account
  • Receive paychecks through direct deposit

Keep reading for pros and cons, plus OppLoans reviews from real customers

The Good

  • Customer Service
  • Quick, Easy Process
  • No Credit Check 
  • Resources & Tools

Customer Service

With OppLoans, customers will find friendly, courteous, pleasant representatives who are more than willing to help. Customers rave about the ease of working with OppLoans customer service; the overwhelming sentiment is that the company makes the entire application and approval process smooth and easy, and the representatives make customers feel comfortable and valued. There's also a common feeling that the company's staff members know their stuff and can answer just about any question. If they don't know the answer, they're happy to find someone who does.

Many payday lenders don’t even offer human-based customer service, preferring to be strictly online lenders, with no human contact. With OppLoans, you can email [email protected] or call 800-990-9130, 7 days a week Monday-Friday, 7 a.m.- 10 p.m. and Saturday and Sunday between 9 a.m. – 4 p.m. Central Time for assistance.

Quick, Easy Process

Applying for a loan doesn't have to be a pain, nor does it have to take weeks and weeks to complete the process and receive your loan money. With OppLoans, it definitely won't be this way. Potential customers can apply online in a matter of minutes and receive approval in a reasonable amount of time. Funds can be transferred by the next business day to your checking account or sent in the mail via check. 

No Credit Check

OppLoans specializes in fast, simple loans without a hard credit check with the traditional credit bureaus. This means that your credit report won’t be affected by your application. 

In addition, borrowing with this lender can help you build or rebuild your credit. OppLoans does report to the three major credit bureaus (Experian, Equifax, or TransUnion) as you repay the loan. So, on-time payments can help improve your credit score. On the flip side, please remember that if you fail to meet the repayment terms of your installment loan, it may affect your FICO score negatively. 

Additionally, there are no prepayment penalties—meaning that if you pay off the loan early, it can only help you. There are no fees or added interest. 

Resources & Tools

To promote long-term financial wellness, the lending platform offers free educational resources through a section of their site called OppU. These include interactive courses on a variety of topics including money management, budgeting, saving, understanding credit and credit history, debit and credit card basics, and debt reduction. 

It's commendable when loan companies recognize that users in need of a short-term loan may have bad credit now, but with more education, can take charge of the financial future.  

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The Bad

  • Limited to One Type of Loans
  • State Restrictions

Limited to One Type of Loans

While this is a great alternative to predatory lenders, customers who are in the market for home loans, home equity loans, car loans, student loans, debt consolidation loans, or any other type of loan besides a personal loan will have to keep looking, because OppLoans only offers personal loans.

State Restrictions

OppLoans doesn't offer loans in all 50 states. The lender's service area is limited to the following states: 

  • Alabama
  • Alaska
  • Arizona
  • California
  • California
  • Delaware
  • District of Columbia
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Mexico
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Washington
  • Wisconsin
  • Wyoming

So, if you don't live in those states, OppLoans can't approve you for a loan. 

The Bottom Line

It's difficult to imagine a lender with a more favorable customer view than OppLoans. The common sentiment is that the company's customer service is off the charts and the loan application process is a piece of cake. 

On top of that, not many bad credit loans, installment loans, or payday loans can help you rebuild your credit score with the major credit bureaus as you repay your loan—even if you perfectly keep to your loan terms. OppLoans does. 

This lender is definitely recommended for consumers in need of the short-term financial assistance a personal loan offers, especially if they have less-than-perfect credit. Although OppLoans has fairly high interest rates, they are very low compared to others in the payday lending world. Additionally, those in the market for other types of loans will need to look elsewhere.

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User Reviews

Star Rating

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125 Reviews

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Anonymous
September 6th, 2019 DETAILS
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I had a great experience with DeAndrea who went above and beyond to hear my problem, investigate and find the solution as well. I hope everyone can provide the same experience she provided to me!

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Lisa Coleman
September 6th, 2019 Jacksonville, FL DETAILS
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I had missed a payment because I had overspent on preparing for Hurricane Dorian, when I spoke with Lemia B, she informed me of the program in place for this situation, when she explained my option and what will take place, I was able to relax.

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Robert
August 29th, 2019 Phoenix, AZ DETAILS
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Great experience with OppLoans at this time. Helped me out with a great loan, provided great customer service when I had questions about my loan. Great service and a thank you to Shalonda for helping me. Will recommend OppLoans to family and friends!

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Lisa Renee Morgan
August 28th, 2019 Henderson, NV DETAILS
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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..

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Tonya Stannert
August 27th, 2019 Mount Vernon, WA DETAILS
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I applied for a loan and the amount I was approved for was great however after crunching some numbers it would make a slight financial struggle on the biweekly payments. I called in to cancel my loan however Shalonda gave me another option to take a lesser loan by asking me what would be a more comfortable payment plan for me. She as kind and attentive and I really appreciate her giving me this option that I didn't know was available. She was great to work with and represents this company in a great way. Thank you for the pleasant experience and the better outcome for me.

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Alicia
August 27th, 2019 Pearland, TX DETAILS
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The ONLY reason I've given Opp Loans a 5 star rating is due to Justin in the payment department. I have been a loyal customer for over 5 years and have never experienced such professionalism. Unfortunately, I had to deal with 3 rude (2 in the payment department and 1 in the loan department) representative regarding an incorrect payment due date, prior to speaking with Justin. By the time, I'd reached Justin I was Irate and had lost all faith within the company because I spent over an hour on the phone being lied to and transferred back and forth between departments. Not only was Justin patient with me by allowing me to vent, he also continued to apologize for his coworkers actions. Justin went above and beyond by asking me to give him a chance to fix someone else's mistake and hopefully regaining the companies trust. 72 hours later, Justin had kept his promise by following through and rectifying the mistake. I don't know if Justin is team lead or supervisor but he should definitely be allowed to re-train the bad apples within the company.

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Kodie
August 27th, 2019 New Orleans, LA DETAILS
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Opp Loans a very fast & efficient. They genuinely care about their customers. The representatives are knowledgeable & help you with any problems you may have. I love this company will recommend them to everyone!

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Marjorie
August 26th, 2019 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.

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Leslie
August 26th, 2019 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

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Cameron
August 23rd, 2019 Indianapolis, IN

Liza was phenomenal! She was prompt, courteous and professional! I’m happy that she answered my call!!

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Pauline
August 23rd, 2019 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.

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Ian T
August 22nd, 2019 Palm Bay, FL DETAILS
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Connor from payment was amazing I felt assured and he was very informative on the process of my loan and very knowledgeable in regards to credit reporting, and put a peace of mind to my situation.. please acknowledge his excellence with my review

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AD A
August 20th, 2019 Clinton Township, MI DETAILS
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I am very pleased with this company. I ran into a problem and I've been in constant contact with them explaining my problem. They have given me several options with repayment and payment terms. I will gladly do business with this company over any of the other companies I've had to deal with. Their payment are by far much better than others. Thank you OppLoans

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ROCKY HARPER
August 20th, 2019 Tucson, AZ DETAILS
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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.

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Mrs D
August 16th, 2019 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!

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Jeffrey
August 16th, 2019 Delray Beach, FL DETAILS
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Very professional fast courteous service.

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Anthony Vance
August 16th, 2019 Everett, WA DETAILS
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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!!!

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Lisa
August 16th, 2019 Dallas, TX DETAILS
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I love OPP Loans. They made my life so much easier and convenient. Conner helped me and was amazing!! Thank you Opp Loans!!!!

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Tauscha
August 13th, 2019 Las Vegas, NV DETAILS
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I called to refinance my loan and the gentleman I spoke with name John was fantastic.. He was professional, friendly and patient. I was a busy body on this day and he remained patient and very helpful . I was very happy when we ended the phone call. Thank you John. I would definitely recommend this company to a friend.

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Keisha
August 13th, 2019 Stow, OH DETAILS
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Too much interest and the loan is deigned to help them and not the person is need. Calculate the amount of interest paid over the crumbs they provided and it's sickening. I was a former customer but NEVER again.........

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Larene Sully
August 11th, 2019 Salem, OR DETAILS
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Marc was/is FABULOUS! I has never been my intention to not repay OppLoans but I am living in my car until my hell hole divorce is done. I wanted to pay but I couldn't pay the full amount yet. Thanks to Marc at least I can save losing my credit score a little bit. Plus Marc sent me offers to use while down on my luck! I won't give up! Thank you Marc you really saved my life again!

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Donnella
August 7th, 2019 Chicago, IL DETAILS
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Jordan was very helpful and I always have a pleasant experience with Opp loans. Very appreciative.

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Rick s
August 5th, 2019 Las Vegas, NV DETAILS
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I have used opploans two or three other times this time my internet went down to the middle of the process I called them and customer service JP answer the phone help me out to verify all the information that I sent in and it was all there very courteous very knowledgeable made me feel like they really wanted my business will definitely tell all my friends and family wonderful wonderful company

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Eduardo
August 2nd, 2019 Fort Lauderdale, FL DETAILS
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Customer service(specifically “Morgan” ) was EXCEPTIONAL. Had a payroll frequency change that had me stressed out. Morgan helped we navigate thru the change and quickly put my mind at easy. Not only did I get a needed loan for them. I also received exceptional customer service when this bump in the road occurred. Thanks Morgan. You Rock( and Roll).

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Happy
July 29th, 2019 San Antonio, TX DETAILS
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Selina was a great customer service agent. I actually got her twice and she offered to stay on the line while I logged into my account to sign contract. She was helpful and assured me she had taken care of my issue. If she didn’t share helpful information, i probably would still be waiting for a response. She made she I knew how to expedite my loan. Thank you

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Dee
July 23rd, 2019 DETAILS
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The entire process was easy until, however, I decided to pay the loan off before the first payment was due. I payed the loan off and received an email confirmation congratulating me on paying it off. To my surprise the first payment was still taken out of my account. I call customer service and the explanation given was the payoff has to clear first. I completely understood that. What I didn't understand is that once the payment clears they will issue a refund of the payment within 5 to 7 business days. So at this point they have now borrowed my money and will take their time giving it back with no interest. For this reason alone I will never consider OppLoans again. If you can give me a loan within 24 hours I believe you should refund money that is not yours within 24 hours as well!

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Manuel Hernandez
July 17th, 2019 Plainfield, IL DETAILS
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Great loan service, payments are affordable. Ive been using them for 2 years. If you need a person to help you through the application I recommend Johny R he was really helpful, patient, friendly and the best associate Ive ever spoken with.

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Adrian
July 17th, 2019 Dallas, TX DETAILS
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Very helpful and understanding with my situation!

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Maelynn R Martin
July 17th, 2019 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.

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Mike
July 2nd, 2019 Phoenix, AZ DETAILS
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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.

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Rachel
July 1st, 2019 Portland, OR DETAILS
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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.

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Ashley
June 28th, 2019 Tulsa, OK DETAILS
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159% APR is all I’m going to say. You borrow $1000 you refinance a few times you end up paying back $5000 easy

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Anthony Burke
June 13th, 2019 Apache Junction, AZ DETAILS
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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

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S.E.
May 24th, 2019 Houston, TX DETAILS
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Qiana in the payment department was extremely professional and helpful. I really appreciated her willingness to help me resolve my account concerns.

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liz
May 24th, 2019 Beaverton, OR

customer service is excellent, Carly was very professional and made the whole application process very easy and fast. she made me feel very comfortable and inspired my trust. I am very happy my loan got approve.

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Kendra
May 20th, 2019 Pompano Beach, FL DETAILS
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This company makes it very hard for you to refinance. Not again.

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Chris
May 6th, 2019 Phoenix, AZ DETAILS
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Overall great customer service. Application process what very simple. Response time was quick. I got approved for 4500 initially, definitely did not need that much to borrow. Requested 700. Loan repayment is very easy as it is automatically deducted. I refinanced once so far. May do it again later for a much larger sum.

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Katelynn
May 2nd, 2019 Cincinnati, OH DETAILS
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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!

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Andy
May 2nd, 2019 Miami, FL

People are very polite especially Janet. The aplication is very easy and the financial manager is great. Thanks George.

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Rose
May 2nd, 2019 Yuma, AZ DETAILS
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Saved me when I needed the help most! Paying back was easy & never missed a payment due to having it deducted automatically.

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paula ayala
May 2nd, 2019 Las Vegas, NV

Abraham was a very great agent was able to guide me and help me complete my application.

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Paul
April 17th, 2019 La Verne, CA DETAILS
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Had the pleasure to speak to Keyon about behind on my payments and she was outstanding and did a great job to get it resolved and settled everything up Outstanding company and personal

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Judy
April 5th, 2019 Belleville, IL DETAILS
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Very professional company. Karen made the process easy!

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Jennifer Richardson
March 28th, 2019 Lisbon, ME

I just applied with this company and I had to opportunity to speak with Tiffany who was wonderful. I appreciated all the time she spent with me and how she answered all my questions. When I asked her about some situations that I read on the review page she was very honest with me by telling me everyone's circumstances are different. I did not think of it that way. Thank you Tiffany! You rock! I will leave a final review after all my transactions go through. Thank you!

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P Fields
March 27th, 2019 Riverdale, IL DETAILS
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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

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helen collins
February 14th, 2019 Skokie, IL DETAILS
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I had a great experience with opploans Monique made my experience even that much better as she patiently walked me through the process.

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Richard Keller
February 14th, 2019 Bangor, MI

I dealt with a very helpful and wonderful woman named Monique. Monique was professional, courteous and friendly throughout the loan application process. She was quick to answer any questions or resolve any issues that came up. She was willing to go above and beyond to help me which made it a very refreshing and positive experience. I'd highly recommended her to those looking for guidance during the loan process!

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Shayna
February 14th, 2019 Louisville, KY

Monique was very helpful and friendly. She stayed on the phone to help me get through the process and quick helping me with any trouble I was having.

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Susanne
February 6th, 2019 Wheaton, IL DETAILS
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Monique was very helpful and quite pleasant to work with!

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Ray M
January 15th, 2019 Park City, UT DETAILS
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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

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