OppLoans is a website that gives out short-term loans. It's also called Opportunity Financial. They focus on helping people who earn a middle-level income but might have poor or no credit history. You can borrow between $500 and $4,000 from OppLoans, and you have 9 to 18 months to pay it back. Payments are made either once or twice a month, and the payment amount usually stays the same unless the interest rate changes. OppLoans doesn't ask for fees when you apply, start your loan, pay off your loan early, or even if you're late on a payment.
OppLoans is a personal loan service that makes borrowing fast and simple. You can get loans from $500 to $4,000 as quickly as today* even if you have bad credit.
Life happens.
Sometimes you need access to money to pay a bill, debt consolidation, repairs or maintenance, or personal needs. You can get help by getting a quick personal loan to help you financially.
A personal Loan is a loan usually meant for personal, family or household purposes. These types of loans are unsecured, meaning that it is not necessary to have any form of collateral such as property to be approved. All that is required is proof of your identity and a regular source of income. Personal loans are typically repaid in fixed monthly payments.
There are no specific limitations on how a personal loan can be used. Once you've been approved, you are free to use the funds as you desire.
Below are some common uses people use OppLoans:
- Debt Consolidation
If you are carrying a large amount of debt from previous loans, a personal loan can be used to consolidate your payments into one easy monthly payment with a lower interest rate. Doing so can save you a lot of money. - Repairs and Renovations
Been putting off a major repair to your car or home? Or are you in need of renovating your kitchen to increase its value? A personal loan can be used to get the job done under affordable terms you are able to handle. - Major & Unexpected Expenses
Life's unpredictability can have a serious impact on your finances. Unexpected medical bills, major car repairs or an emergency can all be reasons to utilize a personal loan. - Personal Needs
The beauty of a personal loan is that it is completely flexible. There are no restrictions to what you can use it for.
Don’t worry; we’ve all been there.
And thanks to technology, it’s possible to get a personal loan as quickly as today* with OppLoans.
This is a review of OppLoans — which offers personal loans online and the great thing is that all credit types are accepted.
Let's get started.
OppLoans review
What is OppLoans?
Here are it's rates, fees and terms:
| APR | 160% – 179%. |
| Loan amount | $500-$4,000. |
| Fees | No origination, late or prepayment fees. |
| Repayment terms | 9, 12 and 18 months. |
| States where available | AK, AL, AR, AZ, CA, DE, FL, HI, ID, IL, IN, KS, KY, LA, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI and WY. |
At OppLoans, they understand that financial events don't always follow a regular pay schedule and sometimes people need some help. Their mission is to provide customers with fast access to a personal loan through a simple, secure and transparent process.
A personal loan is a type of loan that is intended for personal or family use. Personal loans are typically unsecured, meaning that it is not necessary to have any form of collateral such as property to be approved. All you need to qualify is proof of your identity and a regular source of income.
Some common uses for personal loans are completing a large purchase, renovation or repair, consolidating debt, or to simply cover unexpected expenses, both large and small.
OppLoans is a website that gives out short-term loans. It's also called Opportunity Financial. They focus on helping people who earn a middle-level income but might have poor or no credit history. You can borrow between $500 and $4,000 from OppLoans, and you have 9 to 18 months to pay it back. Payments are made either once or twice a month, and the payment amount usually stays the same unless the interest rate changes. OppLoans doesn't ask for fees when you apply, start your loan, pay off your loan early, or even if you're late on a payment.
Will I get approved for a cash loan from OppLoans?
The good thing about OppLoans is that all credit types are accepted. OppLoans’ network of lenders offers a full range of loans for people with excellent credit as well as bad credit.
If you are 18 years or older and have a regular source of income, you can be approved for a loan. Simply apply to see your options.
Why OppLoans is different
OppLoans believes that everyone deserves access to credit. When you submit your loan request with OppLoans, they offer an easy online application, quick decisions, and funds as soon as the next day*!
They offer multiple loan options to suit your needs, industry-standard security, around-the-clock access and the ability to apply from home or on the go. The power of borrowing is effectively put in your hands!
How does OppLoans.com work?
1. Apply Online in 5 minutes
OppLoans' secure application form only takes a few minutes to complete. The process is completely online – no lineups and no waiting. Their form is also optimized for both iOS and Android browsers for on the go applications.
2. Sign for your loan & collect your funds
Once they make a decision, you can review and e-sign your loan agreement on the spot. Once the process is complete money is usually deposited into your bank account as soon as the next business day.
3. Repay your loan
OppLoans offers payment flexibility options and offers refinancing after on-time payments, payment date can be changed online, and a repayment schedule of 9 to 18 months with weekly, biweekly, semi-monthly, and monthly repayment options. They do their best to secure a short-term loan to address your immediate cash needs.
OppLoans is a website that gives out short-term loans. It's also called Opportunity Financial. They focus on helping people who earn a middle-level income but might have poor or no credit history. You can borrow between $500 and $4,000 from OppLoans, and you have 9 to 18 months to pay it back. Payments are made either once or twice a month, and the payment amount usually stays the same unless the interest rate changes. OppLoans doesn't ask for fees when you apply, start your loan, pay off your loan early, or even if you're late on a payment.
What are pros & cons about OppLoans?
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OppLoans Alternatives?
Here are similar personal loan companies like OppLoans that can help even if you have bad credit:
OppLoans contact information
Customer Support: (800) 990-9130
Corporate Number: (312) 212-8079
Email: [email protected]
Hours of Operation:
7 a.m. to 10 p.m. CT, Monday–Friday
9 a.m. to 6 p.m. CT, Saturday
9 a.m. to 6 p.m. CT, Sunday
How much of a loan does OppLoans offer?
At OppLoans, you can apply for a personal loan between $500 and $4,000. The amount you are actually approved for is dependent on a number of factors, including your income, credit history, state of residence and the lender that you are connected with. Not everyone is eligible for $4,000. In the event that you are not approved for a loan amount you requested, you may still be still eligible to be approved for a lower amount. Simply follow the instructions provided on their application to apply for a lower amount in real-time. Remember, you can do apply for a loan 24/7.
Does OppLoans work?
Yes, it does, can get approved today for a personal loan even if you have bad credit. The best thing is that OppLoans accepts loan applications 24 hours a day, 7 days a week. Their network is open at all times, unlike conventional banks that are only open during business hours. Once you are approved on the site, you will receive instructions on how to finalize your loan with OppLoans and receive your money as soon as tomorrow.
Is OppLoans safe?
OppLoans utilizes industry standard security protocol and enhanced 256-bit data encryption technology to ensure that your information is secure while using their website.
Address your financial situation in 5 minutes or less
Financial needs can change over time or suddenly. OppLoans can empower you to do more regardless of your circumstances. Get started now!
*Subject to credit approval and verification. Actual approved loan amount and terms are dependent on standard underwriting guidelines and credit policies. Funds may be deposited for delivery to your bank via ACH as soon as the same business day if verification is completed and final approval occurs before 12:00 PM CT on a business day. If approval occurs after 12:00 PM CT on a business day or on a non-business day, funds may be delivered as soon as the next business day. Availability of the funds is dependent on how quickly your bank processes the transaction.
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