OppLoans Review

8.7 Total Score
OppLoans Review

OppLoans is one of the best lenders when it comes to short term loans on the internet. Rather than being labelled a payday loan lender, they provide you with personal loans and installment loans that have lower APR rates. As a direct lender, you won't have to deal with third-parties and the approval process is nearly instant. Get up to $4,000 by direct deposit in your checking account in 1 to 2 days. Furthermore, OppLoans does not perform a hard credit check, which means your credit score won't be affected by applying.

Fees & Rates
8.9
Approval & Funding Time
8.2
Support Staff
9.1
Requirements & Ease of Approval
8.4
PROS
  • Up to $4,000 loans
  • Lower APR than payday loans
  • A+ rating with the BBB
  • Google customer rating of 4.8
  • Applying does not affect your credit
CONS
  • Requires higher credit than most payday lenders.
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APR
59% - 199%
Loan Amounts
$500 - $4,000
Time to Receive Funds
1 - 2 days
Max Loan Duration
36 months
Cash Advance Loans
Installment Loans
Personal Loans
Auto Loans
Mortgage Loans
Business Loans
Minimum Age
18
Minimum Monthly Income
$1,000+
Time at Current Job
N/A
Credit Score
500+
Additional Requirements
Proof of income & recent pay stubs
Phone Number
(866) 465-2279
Address
State of Alabama State Banking Department P.O. Box 4600 Montgomery, AL 36103-4600
Email Address
apply@opploans.com
Website

Joshua graduated from Arizona State University with a degree in Economics and has been a credit analyst ever since. He works alongside our team by providing his expert outlook on various online lenders and credit providers.

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