OppLoans Personal Loans
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Loan Amount: $100 to $4,000
Credit Score: Poor to Excellent
APR: 99-199%
Loan Term: up to 36 months
Additional Disclosures
Applicants must be 18 years of age to apply. Not all applications are approved. Applications processed and approved before 7:30 p.m. ET are typically funded the next business day. In some cases, we may not be able to verify your application information and may ask you to provide certain documents. Some customers applying for a loans may be required to submit additional documentation due to state law and qualification criteria. Please note: This is an expensive form of credit. This service is not intended to provide a solution for longer-term credit or other financial needs. Loans made or arranged by Opportunity Financial are designed to help you meet your short-term borrowing needs. Other forms of credit may be less expensive and more suitable for your financial needs including, but not limited to: borrowing from a friend or relative, home equity line of credit, existing savings, credit card cash advance. This website contains numerous testimonials from past clients. Testimonials provide the perspective of individuals who are enthusiastic about their experience, and therefore are not representative of everyone's experience. Individual results will vary. Testimonials may be edited for clarity or brevity. No one has been paid to provide a testimonial. Please do not make any credit decisions or any financial decisions based solely what is said in the testimonial.
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APR & Loan Duration

Our network of lenders provides loans that range from 91 days to 84 months, with a range of APRS from 4.84% to 35.99%. Your actual rate depends upon credit score, loan amount, loan term, and credit usage & history.

Origination Fee

An origination fee is a fee you pay to your lender when you receive funds. The charge compensates your lender for expenses like processing your application and marketing. Fees typically range from 1% to 8% of the amount you borrow, although you might pay a flat fee or nothing at all, depending on the lender.

Personal Loan Example

If you borrow $6,000 with an interest rate of 7.99% and a 5.00% origination fee of $300 for an APR of 11.51%. You will actually receive $5,700 and will make 36 monthly payments of $187.99. The total amount repayable will be $6,767.64.

Amount Period APR Monthly Total Paid
$1,000 24 month 12% $47.07 $1129.76
$1,000 24 month 24% $52.87 $1268.91
$1,000 24 month 35.99% $59.04 $1417.01

Typical Personal Loan Terms

While specific terms of personal loans will vary depending on your state, lender and your specific circumstances, below is a general range of common terms.

Loan amount: $500 - $35,000
Lending period: 91 days - 84 months
Payment frequency: Once a month or twice a month
APR: depends upon credit score, loan amount, loan term, and credit usage & history.
Prepayment penalty: None

Disclaimer

We are not actual lenders, but we have relationships with various kinds of lenders. When you submit your request via our website, we will then connect you with the best lender (s) in our network of partners.

Loan fees and interest rates are outside of our influence. Your providers determine these fees and rates and are based on a number of factors. This site does not represent an offer or solicitation to provide loans. This site will forward your details to a loan provider. You are not guaranteed a personal loan by simply providing your details on this website. This website's operator isn't an agent, broker or representative of any loan provider and does not endorse or charge a fee for any of our services or products.

Company Address

Beiqing road, NO.68 yard, NO.24 building, tower D, NO.3 floor, room 049, Haidian District, Beijing

Disclaimer

Notice

We only provide the service to the people above 18 years old.

Important Information

We are not actual lenders, but we have relationships with various kinds of lenders. When you submit your request via our website, we will then connect you with the best lender (s) in our network of partners. Our network of lenders provides loans that range from 91 days to 84 months, with a range of APRS from 4.84% to 35.99%. When you submit your request there is no hard inquiry made on your credit report, therefore there is zero impact on your credit score.

Not A Lender Notice

Loan fees and interest rates are outside of our influence. Your providers determine these fees and rates and are based on a number of factors. We don't provide loans, loan offers or broker loans online. This website operator is not a lender, do not broker loans to lenders and they do not make credit decisions or offer personal loans. This site does not represent an offer or solicitation to provide loans. This site will forward your details to a loan provider. You are not guaranteed a personal loan by simply providing your details on this website. This website's operator isn't an agent, broker or representative of any loan provider and does not endorse or charge a fee for any of our services or products.