Welcome to OppLoans! Start Your Application Today.

Enter your mail code below to get started!

If you don’t have a personal mail code you can still Apply Here

We offer loans from $500 to $4,000.4

Applying does NOT affect your FICO® credit score!2

Why OppLoans is Right for You


Our online application process prioritizes speed, security, and simplicity.


If approved, you may receive money in your account as soon as the same business day!1


Our top-rated Customer Advocates are available to provide support at every step of the application process. We succeed when you do!


We are dedicated to protecting your information and communications with advanced 256 bit encryption technology.


We supply you with an easy-to-read payment schedule with predictable payments and the ability to set up automatic payments.


We report your payment history with us to the three major credit bureaus, so every on-time payment you make may help boost your credit score.6

Frequently Asked Questions

We currently do not offer instant funding. 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...
Read more

We work hard to offer our customers a quick and convenient funding process. Depending on when your loan is approved, funds may be deposited in your account on file as soon as the same business day.1 The actual time it takes for the funds to become available in your account depends on your financial institution.
Read more

Within the application, you will see a Loan Offer page that shows you your options and allows you to adjust your loan amount, based on what you qualify for. If you completed the automated bank verification process and would like to talk about changing your loan amount, please Contact Us...
Read more

OppLoans may use credit report information provided by Clarity Services and Experian as part of the application process to determine your creditworthiness. Neither credit inquiry will appear as a hard credit inquiry on your Experian credit report and therefore they will not affect your FICO score.

Read What People Are Saying

Click on one of our third-party review websites below to read our customer reviews.


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