OppLoans Payday Loans

Daily interest / per day
Loan term / days
Max. amount / $
Approval time/ min
Bank account, Credit or Debit card, MoneyGram

OppLoans is a direct lender based in Chicago, IL. Founded in 2009, OppLoans offers access to personal loans in 29 states across the USA.

Bad credit doesn’t mean you have to pay those high rates offered by some other short-term lenders. The lower rates offered by OppLoans can help offset the cost of borrowing, though there are still risks involved.


  • Get your funds fast. Applications that are approved before 7:30 p.m. EST can be funded as soon as the next business day.
  • Lower interest than a title or payday loan. While it doesn’t have as low an interest rate as a traditional loan or credit card, OppLoans does provide funds at rates well below the 1,200+% APR you might find with other short-term lenders.
  • Lines of credit. If you life in a state where OppLoans provides lines of credit — currently only Kansas, Tennessee and Virginia — you may be qualified to have funds whenever you need it without having to fill out another application.
  • Payment flexibility. OppLoans gives you the ability to change your payment date so you won’t fall behind if your situation changes.
  • Reports to credit bureaus. There’s no need to be stuck with bad credit. Making timely payments on your loan can result in an increase in your score because OppLoans reports to all three major credit bureaus.
Borrower requirements
  • Age 18 years or older
  • Have a fair credit rating
  • Have regular income
  • US citizen or permanent resident
  • Have a valid bank account
Obtaining methods
  • Bank account
  • Credit or Debit card
  • MoneyGram
Contact information
Working days:
7 - 22
9 - 22
9 - 16
Phone number:
(800) 990-9130
OppLoans rating
Easy to apply
Approval time
No hidden conditions
Renewal rules
Service quality
Customer support
OppLoans reviews 1
This company allows me to borrow different amount of money. The pay back is small and is easy to manage.
Easy to apply
Approval time
No hidden conditions
Renewal rules
Service quality
Customer support
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