Frequently Asked Questions

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A loan refinance through OppLoans allows you the opportunity to apply and, if approved, receive additional funds.

You do this by applying to borrow the difference between your existing loan and what you’ve paid toward the principal on your existing loan. (Those who qualify may be eligible for a higher loan amount.)

If your application is approved, you may be eligible to receive funds as soon as the same business day.1

There are multiple reasons the automated bank verification step may not be successful. Below are the most common errors and tips for success:

  • Ensure you are using a stable internet / WiFi connection.
  • Attempt logging into your bank account to ensure your banking login credentials are correct. Click through any promotions, updates, or personal verification to ensure you are able to view your account. When co....
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OppLoans offers online personal installment loans, which are unsecured, closed-ended loans that are repaid according to a set term and schedule, where each payment is an equal portion of the total amount borrowed and accrued interest.

For more information, please see our Rates and Terms.

The rates and terms for the products offered through OppLoans are specific to your state of residence. We are continuously testing a range of rate options.

Please visit our Rates and Terms page to see rules specific to your state.

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We do not currently accept applications by phone. However, our online application process is quick and easy—we promise!

Just click “Apply Now” at the top of this page to begin the application on your computer, smartphone, or tablet!

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You cannot co-sign on behalf of another applicant, nor can someone co-sign on your behalf. You must apply on your own to qualify for a loan.

There are some instances where proof of income is required prior to your application being approved, including:

  • If you receive alimony
  • If you receive disability benefits
  • If you receive social security benefits

Proof of income may include your most recent benefit/award letter, pay stub, 1099, or W-2. Alimony, child support, or separate maintenance income need not be revealed if you do....
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A loan funded through one of our lending partners will reflect on your credit report both as OppLoans and the name of the lending partner your loan is offered through.

For FinWise Bank (FW Bank) Loans
Reporting on your account will show up on your credit report as “FinWiseOppLoans” (TransUnion) OR “FinWise/OppLoans” (Non-TransUnion)

For First Electronic Bank (FEB) Loans
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OppLoans believes it’s important to offer easy and convenient ways to pay back your personal installment loan. The most popular and preferred method for many customers is via Automated Clearing House, known as ACH. ACH can be set up as a recurring payment option or as a one-time payment.

We also offer repayment options of checks via mail and debit cards...

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Consumer products offered through the OppLoans website range from $500 to $4,000, but your eligibility will depend on your state of residence, income, ability to repay, and creditworthiness.

For more information about the product options and lender(s) in your state, please visit our Rates ....
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Click on “Log in,” which is located in the upper right-hand corner of our website. Then click on “Forgot password.” You can also click here. You will be prompted to change your password.

Please make sure to enter the email address you used to apply with us.

When you change your password, the new password must meet the criteria listed.

OppU is a national standards-aligned personal finance curriculum designed to teach essential concepts like saving, budgeting, credit education, and more. OppU can help you master your money with fun and free videos and quizzes.

For more information, click here.

© 2024 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 OppLoans' website will be originated by one of our lending partners. All loans originated by our lending partners will be serviced by OppLoans.

1Subject to credit approval and verification. Actual approved loan amount and terms are dependent on standard underwriting guidelines and credit policies. Funds may be deposited for delivery to your bank via ACH as soon as the same business day if verification is completed and final approval occurs before 12:00 PM CT on a business day. If approval occurs after 12:00 PM CT on a business day or on a non-business day, funds may be delivered as soon as the next business day. Availability of the funds is dependent on how quickly your bank processes the transaction.


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

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