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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Opploans's account


How to register an account on OppLoans

Before you start filling out the application form, it is necessary for you to check if OppLoans provides services in your state. After this, you must create a personal account. The platform will ask you to indicate your first and last names and your current e-mail address and to set the password. Then you have to type your phone and the address details. Also, as a future borrower, you have to provide such information as details about your employment (for example, the name of your employer), a type of payroll, and your income.

The next step is to specify the features of a bank account and a loan to get (an amount and a purpose). Also, the service will require your Social Security Number. At the end of the registration process, you will see the window with the terms of a lending agreement. You have to agree and submit a request. After you finish this process, you can wait for the e-mail with the decision on the application.

How to change password

If you want to change the password, push a 'Log in' button. It is placed in the upper right-hand corner of OppLoans website. Then you have to click on 'Forgot password.' After that the service will allow you to change your password.

How to delete an OppLoans account

You can have only one active OppLoans account. And if you decide to delete it, you should do this by sending an e-mail to the platform. In your letter, request OppLoans to delete your account from the database.

Take the following steps:

First, open your e-mail account that is registered with the application or website. Then click on 'Write a letter' and type the e-mail address in the 'To' line. After this, type 'Request to delete my account' in the Subject section.


How to create an OppLoans account?

On the main page of the OppLoans website, click on Log In. Select Need an account and follow the provided instructions by filling in your details.

How to delete an OppLoans account?

If you want to delete an account on the OppLoans website, send an e-mail to the platform. In your letter, request OppLoans to delete your account from the database.

Financial products

Personal loan
Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™

Effective interest rate on the product

up to 160%

Loan term for the financial product

9-18 months

Calculate loan payments in Opploans

Opploans calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount

Enter the desired loan amount

500 $
4000 $
Loan term

Specify the loan term for the calculation


What to focus on before applying for a loan with Opploans

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Opploans and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All Opploans’s reviews by September 2022
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