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2.71
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Overview - OppLoans

OppLoans provides personal loans as an alternative to payday loans. Funds from approved loans can be deposited in the borrower’s account within as little as one business day. Compared to payday loans, OppLoans offers longer terms, lower APRs, and higher loan amounts.

Additionally, OppLoans specializes in providing personalized loan service. The personal loans offered are designed to help consumers who want to build or rebuild their credit. Instead of paying back a loan in one lump sum, which is usually the case with payday loans or cash advances, OppLoans offers personal installment loans. This means that loans are repaid in regular monthly payments.

Who Can Get a Loan From OppLoans?

OppLoans does not provide online information regarding eligibility requirements for loan products. It should be noted that any examples of rates and terms are examples only, and therefore, they are not representative of the rates and/or terms that a consumer may be offered.

How to Apply

Applications are handled online, and the company does state that applying for a loan will not harm a consumer’s credit score. In order to apply for a loan, consumes will need to enter information about themselves, their work, and their finances. The online application can be completed in just a few minutes, with applicants typically receiving a loan response quickly.

OppLoans has more than 25,000 customers. Based in Chicago, OppLoans offers installment loans in the following states:

  • Alabama
  • California
  • Delaware
  • District of Columbia
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Mississippi
  • Missouri
  • New Mexico
  • North Dakota
  • Ohio
  • South Carolina
  • South Dakota
  • Texas
  • Utah
  • Washington
  • Wisconsin

In addition, OppLoans offers a line of credit product in Kansas, Maryland, Tennessee, and Virginia, and has an A+ rating with the Better Business Bureau.

By reading OppLoans reviews, consumers will gain a better idea as to what to expect from loans originated by OppLoans in order to determine if this particular lending solution is right for their needs.

Reviews from customers

Daniel
January 18, 2019
Despite what some people said here, I had a great experience with opploans. I was well aware that the interest was high, I was denied from a ton of other lenders. The customer's service was amazing. They helped me throughout the process and answered all of my questions.
Karen Mitchell
March 8, 2017
Opploans helped me in my difficult times.. Im very happy about their great customer service
Nick George
March 13, 2019
They are GREAT to work with. I know the interest is hi but that the price with bad credit. Would recommend to all my friend and family.

Why OppLoans?

  • Fast Funding
  • Affordable Payments
  • Personal Service with One on One Support
  • Highly Reviewed
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No commitments! This won't affect your credit score!

Reviews from customers

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Reviews - Read Customer Reviews of OppLoans

  1.   I was very pleased with how easy it was to get approved. My credit is worse than poor but I still got the money. The interest is high but that was expected due to my credit.
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  2.   Awful experience! Avoid at all costs. They claim to be better than other payday lenders. They are not. I was in a real bind last December and took out a loan with this company. In an attempt to pay them back in full with a cashier's check, they advised me that I would still have to pay an additional 10 days of interest even though the amount due was the amount on the check including an additional 15.00 and it was fedexed to provide expediency to avoid a couple of days interest. They prey on people in need and count on people paying the outrageous monthly payments, despite what the website says. They will penalize you for early payments if you don't use a debit card. I used a cashier's check as it's as good a cash but they say it's not. Did anyone from this company even bother to learn finance before lending people money?
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  3.   Terrible experience! We paid our loan off early and they still continued to take a payment the next month. I've been waiting 2 weeks for a refund and get the run around every time I call. Not to mention payments are almost $500 per month on a $2100 loan! Never again!!
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  4.   I met all the requirements they requested and sent in all the documentation but still got denied for a loan, No answer to why yet. Make enough money to pay back and more but no answer.
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  5.   They are GREAT to work with. I know the interest is hi but that the price with bad credit. Would recommend to all my friend and family.
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  6.   Intrest is just outrageous should be against the law.
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  7.   OppsLoans sent me an offer to refinance my loan.. Funny, they wanted to refinance the original amount not the new balance as a result of the payments I made. This is not a refinance but more of a way for them to extract more money from you under the guise of refinance. If you happen to take a loan out with this company DO NOT REFINANCE as you will not only pay three times the original loan amount but also you will be paying longer than what you originally planned with a higher payment amount. This company is a joke and for those of us who mismanage money. I am learning to manage my money and this was one of the very BEST lessons to help me do so!!!
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  8.   Deducted extra payments after loan was paid in full and then Sidney was very rude and nasty in responding to my inquiry regarding THEIR error.I will be reporting this company to the Better Business Bureau and the State Attorney's office.Take your business elsewhere.
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  9.   The service was exceptional. Kristeen was fast , efficient and easy to work with. She handled my issue effortlessly and got me the money I needed. Thanks Kristeen!
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  10.   Please, please, please, please -- DO NOT USE Opp Loans if you are in a tight spot or you're looking to rebuild your credit. They will do more damage than good. I was unaware that one of my payments did not go through. As of result, it accrued daily interest of $400 total. Instead of sending a courtesy reminder or telling me after I had subsequent conversations with them, they used my not knowing of this information against me. There are other ways to rebuild your credit -- an Opp Loans is not one of them. I rarely give reviews to companies and I typically take a number of reviews with a grain of salt. But after my experience with Opp Loans, I am forever unattracted to them as a company and their business practice.
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  11.   159% interest. $1,000 loan pay back $1,600. Just too much interest for such a small loan to help my credit. I did not accept the terms. A $4,000 loan would pay back $10,000.... Too much interest.
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  12.   Be careful with this company they will withdraw money from your bank account before the agreed date leaving you with overdrafts. Called loan specialist his name (CONNOR) and he was very rude, know-it-all and no help at all other than “we are not liable”. He constantly interrupted me while I was trying to explain my situation. Couldn't connect me to his manager and to top it all he hung up the phone on me. Terrible customer service. I will try to call his manager — TONY tomorrow and hopefully we solve this. Be careful guys!
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  13.   Why would I ask for a 700 $ loan ? Oh this is what I was approved for , and you want me to pay back starting next month 02/2019 . The amount of 83 $ Bi -Weekly for a total of over 1,000 Really . Thanks and NO THANKS OPP Loans. Rip Offs Pay Day Loan Sharks.
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  14.   Great experience with my loan. Most places wouldn't approve me a loan because of my credit. It’s high interest of course but when you don’t have good credit there’s not many options. Fund were deposited in about a day. Would definitely use them again!
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  15.   Applied the first time never received a response. Got an email to apply again and now it’s been several days and the site still says they are working on on my application. I have not heard from anyone nor have they asked for anything. I feel like this was a waste of my time .
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  16.   Despite what some people said here, I had a great experience with opploans. I was well aware that the interest was high, I was denied from a ton of other lenders. The customer's service was amazing. They helped me throughout the process and answered all of my questions.
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  17.   Probably the best loan company I have come across for those without great credit. They really do care!
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  18.   This morning I was completely frantic after finding out that we were being garnished and we didn't have our rent I was already days late just waiting for payday and today would have been getting a 72-hour notice. Desperate as hell and started looking for loans I applied for a loan through opploans around 10 a.m. and by 10 p.m. I had $2,600 deposited into my bank account. Everything was pretty easy and self-explanatory the only problem I had at all was in a couple places I had to enter my info more than once as there seemed to be some kind of a glitch they confirmed my bank information to make sure they could set up direct payments and after that within a couple hours I was approved. Of course like anything else that doesn't go based on your credit the interest rate is absolutely crazy but when you're in a situation and you really need it Beggars can't be choosers in at least you don't have to pay it all at once the only other thing I see people complaining about is the fact that this doesn't go to help build your credit that's self-explanatory if they don't even check your credit to give you the loan why would you expect it to go on your credit to pay back the loan it's just the way that it goes you got to read the small print because I can't tell you how many times that seemed quite obvious to me during the process. Overall customer service was great the one time I had to talk to them and the process was painless and fast I'm so thankful for this place in the loan that I was able to get to catch my family up I only asked for $1,000 and like I said was approved for 2600 so as long as you have a verifiable bank account and job I don't see any reason for you to be denied good luck
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  19.   I was willing to try OppLoans to help build my credit. I found the process to be difficult from the start. Now reading the reviews I'm glad I did not go through with the entire process.
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  20.   I actually liked Opps Loans initially. They were easy to work with and very easy to get approved . But my main reason for choosing them was Credit Karma said they could help get my credit score up and after getting a 700 dollar loan and paying tons in interest (which I was willing to go to get my credit score up) , I pulled all three credit bureaus only to discover they were not listed on any of them. When I called to voice my shock and concern, I was only told "Oh, we report all credit bureaus but in Texas" What!? This was my main reason for opening this loan. The customer service rep was non-apologetic and not helpful at all. I got on the system and scheduled my next payment to be my last. I feel they are very misleading and full of falsehoods.
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  21.   I read that it will cost me 598 dollars up front .thats on top of the 626 dollars for interest on a 800 dollar loan. damn glad I read the whole thing
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  22.   No real explanation from customer service .I was mislead thinking it will build my credit score which is not bad. i get the risk the company takes to give out their money but paying to the company over double the amount you take is unfair to the customers in the name of fees and some undercover fees taken before the money is disbursed to you. Cont to take money from my account even when the pay off date was past because direct pay biweekly . Though the person i spoke to told me that he was not allowed to disclose his last name, he promised to credit my account .Turns out that he was the only one who took a little time to explain after multiple calls to ooploans. What if i did not bring it to their attention . I called it a loan and they called it now a line of credit. No body was able to give me the APR. How fees where calculated. Very unfair.
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  23.   Terrible! Mislead just want your info but give no out come even if or when you call. Redirected to Opp loan by lending tree for fair to bad credit but not true. Obvious only perfect credit if they wont even give an out come. Waste of time by both lending tree and Opp loans unless you just want to give away your info.
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  24.   Excellent customer service and Opploan has very fast and easy service. Little bit high rates tho..
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  25.   Opploans helped me in my difficult times.. Im very happy about their great customer service
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