Online Personal Loans

Online loans for a better financial future. Our goal is to make sure every borrower has the support they need.

Applying does NOT affect your FICO® credit score.²

Select State

Apply Now

Loans from

----

Repayment term

----

APR

----

Simple Loan Application Process

Working with community banks, the OppLoans platform offers personal loans designed to fit your needs. The process is simple and built around you.

Apply Online

The application process is quick and easy, with decisions often made in minutes.

Approval Process

Our Bank Partners consider more than just your credit score, so even if you've been turned down by others, you may still qualify.

Same-Day Funding Available

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

Apply Now

Applying does NOT affect your FICO® credit score.²

Welcome to your Loan Application!

👤

Be at least 18 years old

📍

Reside in one of the states we service

💼

Have a regular source of income

🏦

Have a checking or savings account

💰

Receive paychecks through direct deposit

What Can I Use an Online Loan For?

Online loans to tackle bills like:

Three Types of Online Loans to Know About

As you're looking to take out an online loan, you'll want to make sure you know the ins and outs. Here's a breakdown of three different types of online loans you may encounter.

✓

Typical Installment Loans

An installment loan can be used to pay for a large expense like a car repair.
Installment loan principals can range from small dollar amounts to thousands of dollars.
APRs may depend on the borrower's creditworthiness, this can range from single to triple digit interest rates.
Installment loans are often repaid over months, not weeks.
The majority of installment loans are unsecured.

📅

Typical Payday Loans⁵

Payday Loans are short-term, high-cost loans.⁵
Payday Loan principals typically range from $100-$1,000.
Payday Loan APRs can be 400% with terms that are only two weeks.⁵
Payday Loans are often secured by the borrower's paycheck.⁵

🎧

Typical Debt Consolidation Loans

Debt Consolidation Loans are typically a larger loan secured at a lower interest rate than other debts carried by the borrower.
Debt Consolidation Loans are often for higher amounts because they're meant to consolidate many smaller debt amounts.
The APRs of Debt Consolidation Loans are variable. However, debt consolidation loans are only advisable if you can secure a lower interest rate than the interest rate of your other debts.
The terms of Debt Consolidation Loans are also variable, but it is often recommended to seek a debt consolidation loan with flexible terms.

Apply Now