Our independent OppLoans review covers everything you need: loan amounts, APR ranges, who qualifies, how fast funding arrives, and whether OppLoans is the right choice for your situation.
OppLoans Overview
| Loan type | Installment loans |
| Loan range | $500 – $4,000 |
| APR range | 59% – 160% |
| Loan term | 9 – 18 months |
| Available in | 37 states |
| Minimum credit score | No minimum — any score considered |
| Soft pre-qualification | Yes — no impact to your credit score |
| BBB Rating | A+ |
| Trustpilot Rating | 4.7 out of 5 |
✅ Pros
- Any credit score considered
- Fast online application
- Soft pull pre-qualification
- Reports to major credit bureaus
- High Trustpilot rating (4.7/5)
⚠ Cons
- Higher APRs than traditional banks
- Not available in all states
- Lower limits for first-time borrowers
- May require income verification documents
How to Apply at OppLoans
- Visit OppLoans's website — Click our link to go directly to the secure OppLoans application.
- Pre-qualify with a soft pull — Enter basic info to see if you pre-qualify. No credit score impact.
- Review your exact loan offer — Check APR, monthly payment, and total repayment cost in full.
- Submit the full application — Verify income and identity. A hard credit pull occurs at this step.
- Get funded — Funds arrive in your bank account, typically the next business day.
Is OppLoans Legit?
Yes. OppLoans is a legitimate, licensed lender with a strong track record. They hold an A+ rating with the Better Business Bureau, a 4.7/5 Trustpilot rating from thousands of verified reviews, and use 256-bit SSL encryption to protect your personal data.
Frequently Asked Questions
Is OppLoans a direct lender?
Yes. OppLoans is a direct lender, meaning you apply and borrow directly from them with no brokers or third parties involved.
What credit score do you need for OppLoans?
OppLoans accepts applicants with any credit score. They use a soft credit check during pre-qualification that does not affect your score.
How fast does OppLoans fund loans?
Most OppLoans borrowers receive funds the next business day after approval and signing. Same-day deposits may be available in some cases.
Does OppLoans report to credit bureaus?
Yes. OppLoans reports payment activity to the major credit bureaus, meaning on-time payments can help improve your credit score over time.
How do I contact OppLoans customer service?
You can reach OppLoans via live chat, phone, or email through their official website. Check their site for current contact details and operating hours.
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⚠️ We are a free comparison service, not a direct lender. Loan approval and terms are set by individual lenders. Read all agreements carefully before signing.
