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Online loans

designed for you.

Testimonials reflect the individual's opinion and may not be illustrative of all individual experiences with OppLoans.

Online Loans for Life’s Unexpected Expenses

Everyday consumers have access to financial support from OppLoans when they need it most. We offer small-dollar, online loans that are repaid in affordable installments.

A simple and straightforward process: When it comes to your finances, we don't believe in surprises.

Establish credit history through repayments: We’re interested in making an impact on your financial future. That’s why we report loan repayments to all three major credit bureaus.

Loan support at every step: With top-rated customer support, we’re by your side at every part of the process. Our Loan Advocates are here for you. We succeed when you do.

Develop your financial skills: Learn how to make better financial decisions with essential educational resources. You’ll feel empowered to take control of your financial situation.

We’re in this together

Our goal is to help our customers champion their finances. Partner with us on your financial journey. This isn’t just a loan. This is an opportunity for payday loans online a better financial future.

Apply for an Online Loan Through OppLoans

We help people find a solution for their individual financial needs.

Easy to Apply

A simplified application process. Apply online from start to finish.

Fast Funding

If approved, receive money in your account as soon as the next business day! 1

Loans that fit your financial needs

We offer loans from $500 to $4,000. 4

No Hidden Fees

We’re committed to transparency. No origination fees. No prepayment penalties. You’ll know what to expect.

What is an online personal loan?

Online personal loans are unsecured installment loans offered by online lenders and some traditional banks. Broadly, online credit products may take the form of a line of credit, a cash advance, or other loan options.

Online personal loan offers should clearly disclose the loan's APR (annual percentage rate), the term, and any fees such as finance charges.

How are OppLoans online personal loans different?

We truly care about our customers and work hard to be flexible for each of our customer's unique situations. We want to make sure borrowers get the best loan for them, whether it's with OppLoans or a different online lender.

Unlike some financial institutions (and quite unlike payday loans 5 ), OppLoans charges no origination fees or prepayment penalties. Our loans charge simple, fixed rate interest and contain no hidden fees.

OppLoans doesn't base funding decisions exclusively on FICO credit scores or credit history.

We also report payments to all three major credit bureaus to help borrowers build their credit history. 6

And if you opt into our "Turn Up Program", we'll proactively see if your loan application would qualify you for a loan at a cheaper interest rate with one of our lending partners.

What are the eligibility requirements to apply for an online personal loan?

The first step in applying for a loan through OppLoans is to fill out our online loan application. To be eligible for a lending product through OppLoans, potential borrowers must:

Be 18 years or older

Have a bank account (checking account or saving account)

Reside in one of the states in which we currently operate

Have a regular source of income (Income can be from employment or from benefits including Social Security, Disability, etc. Please note: alimony, child support, or separate maintenance income is optional to include)

Receive income through direct deposit

What can you use an online personal loan for?

Online personal loans can be used for a wide variety of purposes. Maybe you're looking for a loan to help consolidate debt from multiple credit cards, or maybe you need to fund an expensive home improvement or car repair. Also, if you're looking to turn bad credit into good credit, the right online personal loan may help you do that.

OppLoans customers have used their loan amounts for:

Whatever your reason for searching online lenders (and whether you have excellent credit, bad credit, or you land somewhere in the middle), there are terms and conditions of the loan that you'll want to understand. Borrowers should always be clear on the interest rate, repayment terms, and whether or not the lender will run a hard or soft credit check.

How much can I apply for?

Consumer products offered through the OppLoans website range from $500 to $4,000, but your eligibility will depend on your state of residence, your income and ability to repay, and your creditworthiness. For more information about the product options and lender(s) in your state, please visit our Rates and Terms page.

How does repayment of a personal loan work?

OppLoans believes in matching borrowers with the best possible loan for them. If we're able to provide you with an online personal loan product, we want to make sure your repayment options are both clear and affordable across the life of the loan term.

OppLoans offers multiple recurring payment options including ACH and paper check options. For single payments, debit cards are also accepted.

Learn More About

Online Personal Loans

Bad Credit Loans

No Credit Check Loans

Installment Loans

Who We Serve

Credit remains out of reach for everyday consumers. Learn how OppLoans provides the tools so people can take control of their finances.

60 million U.S. adults

lack access to traditional credit*

64% of U.S. consumers

live paycheck to paycheck*

44% of U.S. adults have savings

to cover a $1,000 unplanned expense*

Making Personal Finance Approachable

The OppU Money Guide: A Financial Management Tool

Pick up best practices for managing finances, from budgeting for all types of households to dealing with income challenges.

How to Survive and Budget When You’re Making Minimum Wage

Finding extra money to put aside isn’t easy when you’re working a minimum wage job, but that doesn’t mean you can’t do it.

‘Should I Buy This?’ A Financial Flowchart for Smart Spending

OppLoans Offers

Learn More About

Legal

© 2022 Opportunity Financial, LLC. All Rights Reserved. Use of Opportunity Financial, LLC is subject to our Terms of Use and Privacy Policy.

California Disclosures and Privacy Policy | California Consumers can opt-out of the sale of personal information by clicking Do Not Sell My Personal Information.

Applications submitted on this website may be originated by one of several lenders, including: Opportunity Financial LLC, a licensed lender in certain states; or one of our lending partners. All loans originated by our lending partners will be serviced by OppLoans.

NV Residents: The use of high-interest loans services should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction.

1 Subject to credit approval and verification. Actual approved loan amount and terms are dependent on standard underwriting guidelines and credit policies. Funds are typically deposited via ACH for delivery for next business day if verification is completed and final approval occurs before 8:00 PM CT, Monday-Friday. Availability of the funds is dependent on how quickly your bank processes the transaction.

2 OppLoans may use credit report information provided by Clarity Services and Experian as part of the application process to determine your creditworthiness. Neither credit inquiry will appear as a hard credit inquiry on your Experian credit report and therefore they will not affect your FICO score.

4 Installment loan amounts typically range from $500 to $4,000. APR ranges from 59% to 160%. Installment loan lengths range from 9 to 18 months. Example: A $2,000 installment loan repayable in 9 monthly payments would have an APR of 160% and monthly payments of $394.58. Rates and payday loans online terms vary by state. This is an expensive form of credit and you should determine whether our product(s) meets your financial needs.

5 According to the Consumer Federation America, a non-profit consumer advocacy group, payday loans range in size from $100 to $1,000, depending on state legal maximums, and carry an average annual percentage rate (APR) of 400%. The maximum APR for a loan offered through and serviced by OppLoans is 160% and loan sizes range from $500 to $4,000. https://paydayloaninfo.org/how-payday-loans-work/

6 OppLoans reports customer payment history to the three major credit bureaus. On-time payments may improve credit score.

USA PATRIOT ACT NOTICE: IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

If you have questions or concerns, please contact the Opportunity Financial Customer Support Team by phone at (800) 990-9130, Monday – Friday, 7 a.m. – 11:30 p.m. and Saturday and Sunday between 9 a.m. – 5:00 p.m. Central Time, or by sending an email to info@opploans.com.

California Residents, view the California Disclosures and Privacy Policy for info on what we collect about you.

By clicking Continue, you will be taken to an external website that is not operated or managed by OppFi. Please be advised that you will no longer be subject to, or under the protection of, OppFi's privacy and security policies. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of OppFi. Further, OppFi is not responsible for and does not endorse, guarantee, or monitor content, availability, viewpoints, products, or services that are offered or expressed on external websites.

Mobile Loans

We offer a free, fast and simple online service that gives you access to our network of lenders and other third-party networks of lenders that we work with. Just fill out our simple loan request form and we will show your information to the lenders in these networks to try and payday loans online find one that is willing to offer you a loan. See our Disclosure for more information on how this works and how we get paid by these lenders and networks.

If a lender offers you a loan, you will be redirected to their site and they may call, text and/or email you about your loan offer. Review the loan terms very carefully and compare them to all options available to you before you accept the loan offer. Once you do that, funds will be deposited into your account, usually within one business day. It’s just that easy!

As an additional service to our users, if no lenders offer you a loan, we may pass some of your contact information to a marketing partner so you can receive offers for debt relief, credit repair, credit monitoring or similar services. Don’t worry, we don’t share any of your sensitive information with them. They may contact you by phone, text, or email. You may also be redirected to their websites. If you receive one of these offers, be sure to carefully review the offer and compare it to all other options available to you. If it is not the best option for you, you should not accept the offer.

Always keep in mind that our service is designed to try and connect you with a lender that is willing to offer you a loan. It is not designed to connect you with the lender that offers the best loan terms. You should not assume that a loan offer you receive is the best option available to you. Always look at the terms of the loan carefully and compare it to all options available to you before accepting.

Qualification Criteria

The following is a short list of criteria that lenders are generally looking for. Please note that meeting these criteria does not mean you will receive a loan offer:

Be employed for at least 90 days and meet your lender's specific minimum income requirements.

Be at least 18 years of age.

Have U.S. citizenship or permanent U.S. residency.

Be listed as the primary account holder of a valid checking account.

Have both work and home contact phone numbers.

Have a working email address.

Lender Networks

When you fill out and submit our loan request form, we show your information to the lenders in our large network of lenders so they can choose whether to offer you a loan. We may also show your information to other third-party lender networks to get your information in front of even more lenders so they can also choose whether to offer you a loan. Our approach increases the likelihood you will receive a loan offer and may help you avoid having to go to many places to try and obtain a loan offer. As an additional service, if you are not offered a loan, you may be presented with a debt relief, credit repair, credit monitoring or other offer. You do not have to accept any of these offers.

Rapid Service

We understand that you are requesting a cash loan because you need cash fast. While banking institutions can take weeks to review your information, we can show your loan request information to lenders who are willing to choose whether to offer you a loan almost instantly. Once you provide all the requested information, your information is immediately sent to our network of lenders and to other third-party networks of lenders so these lenders can choose whether to offer you a loan. If your receive an offer, you can review it, provide any additional information needed, sign your loan agreement, and funds can be available as soon as the next business day.

Secure Transactions

At MobileLoans.com, we understand the importance of maintaining secure transactions over the Internet. That’s why we utilize advanced and secure encryption technology to protect your information. Our website is also tested daily to help ensure our customer information is secure from hackers and other scammers.

Easy Repayment

For your convenience, most lenders allow your loan repayment to be automatically withdrawn from your checking account on the due date. You will not need to travel to a local cash loan store or worry about mailing in a check on time to avoid late fees. Just make sure you have enough funds in your account to cover your loan repayment — including interest and fees — on the date it’s due so your lender will deduct the appropriate amount for you. Keep in mind that we are not a lender and do not exercise any control over any lenders or endorse any specific lender.

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