Delivering a Premier Digital Lending Experience

OppLoans is purpose-built to deliver on our mission of facilitating safe and affordable credit access for underserved consumers.

Key Features Driving Success

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Exceptional Customer Service

A digital-first platform complemented by empathetic, human support.

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Transparent Loan Terms

Simple interest, amortizing installment loans with no balloon payments.

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Same-Day Funding Available

Same-day funding options available for eligible customers.5
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No Hidden Fees

There are no origination fees, no late fees, no NSF fees, and no prepayment penalties.

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Credit Reporting

OppLoans and its Bank Partners report to the three major credit bureaus: TransUnion, Equifax, and Experian. On-time payments may improve credit score.6

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Flexible Support

Compassionate payment modification options for customers facing financial challenges.

  • support_agent

    Exceptional Customer Service

    A digital-first platform complemented by empathetic, human support.

  • folder_open

    Transparent Loan Terms

    Simple interest, amortizing installment loans with no balloon payments.

  • event_available

    Same-Day Funding Available

    Same-day funding options available for eligible customers.5
  • quick_reference_all

    No Hidden Fees

    There are no origination fees, no late fees, no NSF fees, and no prepayment penalties.

  • readiness_score

    Credit Reporting

    OppLoans and its Bank Partners report to the three major credit bureaus: TransUnion, Equifax, and Experian. On-time payments may improve credit score.6

  • dvr

    Flexible Support

    Compassionate payment modification options for customers facing financial challenges.

Technology-Driven Underwriting

OppLoans leverages advanced technology and data insights to ensure efficient, responsible, and scalable lending decisions:

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AI Precision for Smarter Lending Decisions

  • 15+ billion data points collected over 13+ years of operational success.*
  • AI-powered algorithms analyze over 500 attributes for precise underwriting decisions.
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Proven Results

  • 14+ million applications processed*
  • 2+ million loans successfully issued*
  • 30+ million repayments completed*

*As of January 2025.

A Transparent and Empowering Customer Journey

OppLoans emphasizes transparency, responsibility, and financial empowerment to help customers avoid common debt pitfalls:

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    Easy Application

    • 100% online, with live agent support available for added assistance.
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    Streamlined Decisions & Funding

    • 84% of new customers receive approval on the same day.*
    • 20% receive funding on the same day.*
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    Seamless Servicing & Repayments

    • 24/7 account access, one-click payments, and live chat support.
    • Personalized assistance for unique financial needs.

*Statistics represent applications submitted in August 2024, Internal Data.

Promoting Financial Literacy and Advocacy

Educational Resources: Through tools like the OppU Blog and Zogo, OppLoans promotes smarter saving, budgeting, and financial decisions.

Customer Loyalty:

  • 75% of customers recommend OppLoans to friends within 60 days.*
  • BBB Accredited Business
  • 4,843 reviews on Trustpilot with an Excellent TrustScore of 4.5 
out of 5**

*Internal Data: Statistics represent applications submitted in August 2024, and referral data ranging 1/1/2023-6/12/2024.

**As of December 31, 2024

The OppLoans Consumer Advantage Program

The OppLoans Consumer Advantage Program reflects our commitment to socially responsible financial inclusion by helping consumers explore the best financial solutions for their unique needs.

As part of this program, we ensure that all applicants receive exceptional customer service and are guided toward options that align with their financial goals, even if those solutions are outside of OppLoans. Our proprietary TurnUp program connects applicants with lower-rate credit options, even if it means guiding them to other financial providers. This initiative embodies our dedication to promoting financial wellness, inclusivity, and support for all applicants, whether they are new or returning customers.

By empowering individuals at every step of their financial journey, the OppLoans Consumer Advantage Program reinforces our role as a trusted and customer-focused lending partner.

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