OppLoans

130 E Randolph St, Ste 3400, Chicago, IL 60601-6379
(800) 990-9130
Our rating
106 reviews
Rating distribution
5 stars
4 stars
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1 star

OppLoans Review

When you look for direct personal loans that can quickly solve your financial issues, you are very likely to come across the company called OppLoans. It offers quick, simple and legit financial help to anyone who needs it. According to numerous OppLoans reviews on Reddit, Glassdoor, and other platforms, this service is safe and has high customer ratings.

It is often called a great alternative for getting payday loans. Despite all the good feedback, you probably still wonder about the company’s requirements. It is natural to want some factual information before making any decisions. This OppLoans review will provide you with all the details you should know if you consider using this service. Otherwise, check the Avant review as an alternative.

APR99-199%
Origination Fee1% to 6%
Loan Amount$1,000 - $4,000
Credit Score RangeVaries
Loan Term6 to 36 months

OppLoans Products and Terms

What Is OppLoans? It’s a Chicago-based online landing company founded by Todd Schwartz. The service is aimed to provide quick financial help online for customers with credit concerns. The team strives for excellent client experience offering personalized customer service. Thanks to the thousands of satisfied clients OppLoans BBB rating is currently A+.

Opp Loans provides various kinds of personal loans including installment loans, debt consolidation loans, bad credit loans, and no credit check loans. The borrowed money is usually intended to cover such issues as medical bills, rent, or unexpected car repair.

The amount of an unsecured loan given by the company may vary from five hundred to five thousand dollars. The repayment term could last from 9 to 36 months depending on the loan terms and your state. As for the minimum credit score, it varies and may depend on the case. However, it is usually lower than the payday loan companies may require.

The OppLoans interest rates range from 99 to 199 percent. While it may seem high, it is still more affordable than the rates offered by payday lenders.


Hours of Operation. The company’s hours of operation are from 7 a.m. to 10 p.m. from Monday to Friday. On Saturday and Sunday, you may reach the service from 9 a.m. to 4 p.m. The working schedule allows the customers to get financial help on any day of the week.

Customer Service. It is possible to contact the OppLoans customer service by e-mail [email protected] or by phone (800) 990-9130.


Thanks to promo code or coupon the customers can save up to 70% on OppLoans services. The special offers may change on a month-to-month basis. It is better to check current promotions before completing the application. The loan payout typically takes from one to two business days which allows the borrower to get the funds quickly.

Opploans customer reviews

In order to get a loan, it is necessary to complete a quick application procedure on Opploans.com. You need to sign in and then log in to the website using your computer or smartphone. The registration form requires basic personal information. Then you need to submit an easy online application form and wait for approval. Once your application is approved, you will get an email notification and get your funds no longer than in 2 days.

OppLoans Requirements

The service is easy and affordable but some applicants may be pre-approved and need to wait for a little until verification is done. It is necessary to meet the following OppLoans criteria to get a loan:

  • State of residence. You need to live in one of the states where the service is available. The full list of the states is given on the company’s website.
  • Age. A borrower has to be at least 18 years old.
  • Bank account. You need to have a checking or savings account opened on your name with at least 90 days of history.
  • Income. You need to be employed for at least 3 months or have another source of income such as Social Security or Disability.
  • Direct deposit checks. A borrower has to receive his checks through direct deposit.

As you can see, the requirements are basic and the current income of the borrower is more important than credit score. Thus, the applicants with poor credit history can be eligible for receiving a loan. However, it is important to keep in mind that the terms and requirements may vary depending on the state.

Is OppLoans Safe?

Is OppLoans legit? Considering a large number of scams among online lenders, you probably have this question in mind. According to OppLoans reviews BBB, the service is reliable and safe. As it is a direct lender, the money will be given upfront without the need to connect with another lending service. OppLoans has an active security certificate that ensures that your information is protected and only used for business purposes. Thus, the answer to “is OppLoans legitimate?” is sure “yes”.

OppLoans is a legit online lending company that can improve your financial situation quickly even if you have a poor credit score. According to OppLoans customer reviews, it has a number of advantages. You may expect fast funding, easy online application, and quick approval. In comparison to payday loans, the service has lower interest rates. However, you should be ready to meet the basic requirements and be the resident of a certain state. All in all, it is a good service if you want to apply today and receive your money tomorrow.