Loans up to $5,000

350 minimum credit score required

OppLoans is a direct lender offering loans for poor credit from $500 to $5,000. OppLoans are personal loans that can be used for any need. Borrowers can choose to payback loans up to 3 years.

APR

OppLoans offers a fixed APR personal loan product that ranges from 59% up to 199% APR.

No pre-payment fee

OppLoans does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.

What do you need to qualify for a loan with OppLoans

To qualify at OppLoans, applicants need a minimum credit score of 350 and a minimum annual income of $18,000. OppLoans is a good choice if you have low credit scores. Applicants must have an active checking account. Income can be from employment, self-employment, benefits or retirement.

Estimated funding time

OppLoans will pre-qualify you in minutes with no impact to your FICO® credit score. OppLoans typically approve borrowers within 24 hours and deposits loans by the next business day.

OppLoans Details

• Easy application process
• Fast funding—apply today; receive money in your account by the next business day
• Less expensive than payday and title loans
• No minimum credit score; borrowers with poor credit can qualify
• Repayment terms up to 36 months
• No collateral necessary
• No hidden fees
• No prepayment penalties
• Helps build your credit score by reporting to all three major credit bureaus
• Good customer service