For consumers with poor or maybe fair credit, OppLoans can provide personal and installment loans ranging from $500 to $4,000 with no hidden charges and a predictable fixed rate.1 The application process is entirely online through a simple-to-use form where borrowers are matched with the lender right for them followed by funding the same or by the next business day, pending approval.5 OppLoans also offers "OppU" to help educate borrowers on topics like financial planning and managing their money.
Pros and Cons of OppLoans
OppLoans can be a solid option for borrowers seeking quick and flexible financial solutions through personal loans and installment loans.5
- Apply online with potential approval in minutes
- Loans come with fixed rates and no hidden fees
- No prepayment penalties3
- After approval, funding may be received the same day or by the next business day5
- For borrowers with low credit, APRs may still be higher
- Not available nationwide
- Some loan terms may be shorter or longer depending on the type of financial product and state4
How OppLoans Compares
to Other Options
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| Max Cash's Rating | |||
| Repayment Terms | 9-18 Months | Up to 24 months | 24 to 72 Months |
| Funding Timeline | Receive funds on the same day or by the next business day | N/A | Receive funds by the next business day |
| Bottom Line | For borrowers with poor credit, OppLoans can be a great alternative to payday loans with personal loans up to $4,000 with fixed rates and flexible repayment terms.1 OppLoans’ partnership with well-established banks also ensures maximum security and trust, but is not available nationwide. |
Applying for a loan with Advance Financial 24/7 in person or online is an option, but only if you are a resident in an available state. |
LendingPoint serves consumers with poor credit needing personal loans with an easy application process and technological approach to better their approval chances. Funding can be available the next business day, if approved, but LendingPoint is not available nationwide.5 |
Frequently Asked Questions about
OppLoans
OppLoans is a legitimate business and member of the Financial Health Network.
Call 1-800-990-9130 to speak with an OppLoans agent, or email info@opploans.com.
OppLoans is accredited by the Better Business Bureau (BBB) and has an A+ rating.
