Personal loans
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9 Months
160%
APR
$2959
$2959 was calculated based on a $15,000 loan with a rate of 160% over 9 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
9 Months
160%
APR
$2959
$2959 was calculated based on a $15,000 loan with a rate of 160% over 9 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
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9 Months
160%
APR
$2959
$2959 was calculated based on a $15,000 loan with a rate of 160% over 9 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
24 Months
160%
APR
$2104
$2104 was calculated based on a $15,000 loan with a rate of 160% over 24 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
12 Months
160%
APR
$2573
$2573 was calculated based on a $15,000 loan with a rate of 160% over 12 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
26 Months
36 - 149%
APR
$1352
$1352 was calculated based on a $15,000 loan with a rate of 92.50% over 26 months.
Per Month
Loan Details
Cash in Your Account as Soon as Tomorrow1
Quick Application and Approval in Minutes
Borrow on Your Own Terms2
5-Day Risk-Free Guarantee if you change your mind3
No Prepayment Penalties and No Hidden Fees
This RISECredit.com loan example is based on a monthly payment schedule. Payment schedules will align with your pay frequency as reported on your application.
Loans are offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account (savings and prepaid accounts are not accepted), a job or regular source of income and email address to receive account information. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.
In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may require you to log into your bank account or provide proof of income. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement.
1Applications processed and approved before 6pm ET are typically funded the next business day.
2May be subject to minimum loan amount and loan term restrictions. Please visit www.RISECredit.com for details.
3You have 5 business days from your loan origination date to change your mind. If you decide that the loan isn’t right for you, simply call the toll-free customer service number at 866-580-1226, repay the principal within the 5 business day period and there will be no charges.
In KS, TN and TX, installment loans are originated by Capital Community Bank, a Utah Chartered bank, located in Provo UT, Member FDIC.
In AK, AZ, FL, HI, IN, KY, LA, MI, MN, MT, NE, NV, OH, OK, OR, WA and WY, Installment loans are originated by FinWise Bank, a Utah charted bank, located in Murray, UT, Member FDIC.
Loans are offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account (savings and prepaid accounts are not accepted), a job or regular source of income and email address to receive account information. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.
In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may require you to log into your bank account or provide proof of income. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement.
1Applications processed and approved before 6pm ET are typically funded the next business day.
2May be subject to minimum loan amount and loan term restrictions. Please visit www.RISECredit.com for details.
3You have 5 business days from your loan origination date to change your mind. If you decide that the loan isn’t right for you, simply call the toll-free customer service number at 866-580-1226, repay the principal within the 5 business day period and there will be no charges.
In KS, TN and TX, installment loans are originated by Capital Community Bank, a Utah Chartered bank, located in Provo UT, Member FDIC.
In AK, AZ, FL, HI, IN, KY, LA, MI, MN, MT, NE, NV, OH, OK, OR, WA and WY, Installment loans are originated by FinWise Bank, a Utah charted bank, located in Murray, UT, Member FDIC.
24 Months
160%
APR
$2104
$2104 was calculated based on a $15,000 loan with a rate of 160% over 24 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
36 Months
5.99 - 24.99%
APR
$515
$515 was calculated based on a $15,000 loan with a rate of 14.27% over 36 months.
Per Month
Loan Details
5.99% - 24.99% APR
Pay off high-interest credit card balances and save
Quickly check your rate without affecting your credit score
No prepayment, late, or check-processing fees
Members see an average FICO® Score boost of 40 points when paying down credit card balances
APR (est) includes a discount ranging from .25 - 1.00% based on credit quality, term, and use of loan proceeds. This offer does not constitute a commitment to lend or an offer to extend credit. Upon submitting a loan application, you may be asked to provide additional documents to verify your identity, income, assets, or financial condition. The rate and terms you may be approved for will be shown to you during the application process. Loans subject to an origination fee, which is deducted from the loan proceeds. Refer to full borrower agreement for all terms, conditions and requirements.
18 Months
199%
APR
$2655
$2655 was calculated based on a $15,000 loan with a rate of 199% over 18 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $601 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
24 Months
9.99 - 35.99%
APR
$786
$786 was calculated based on a $15,000 loan with a rate of 23.00% over 24 months.
Per Month
Loan Details
Loans from $2,000 to $36,500 and no prepayment penalties
Rates from 7.99% to 35.99% APR
Check your rate without impacting your credit score
Simple online application
Funds available as soon as the next business day upon approval
LendingPoint's innovative technology allows them to understand the individual creditworthiness of every applicant
Terms from 24 - 60 months
Fixed monthly payment and simple interest
LendingPoint has thousands of five-star reviews on Trustpilot
LendingPoint has an A+ rating from the Better Business Bureau
Applications submitted on this website may be funded by one of several lenders, including: FinWise bank, a Utah-chartered bank Member FDIC; Coastal Community Bank, Member FDIC; and LendingPoint, a licensed lender in certain states. Loan approval is not guaranteed. Actual loan offers and loan amounts, terms and annual percentage rates ("APR") may vary based upon LendingPoint's proprietary scoring and underwriting system's review of your credit, financial condition, other factors, and supporting documents or information you provide. Origination or other fees from 0% to 6% may apply depending upon your state of residence. Upon final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. Loans are offered from $2,000 to $36,500, at rates ranging from 7.99% to 35.99% APR, with terms from 24 to 60 months. Georgia loans have a minimum $3,500 loan amount. For a well-qualified customer, a $10,000 loan for a period of 48 months with an APR of 23.72% and origination fee of 6% will have a payment of $324.48 per month. (Actual terms and rate depend on credit history, income, and other factors.) Customers may have the option to deduct the origination fee from the disbursed loan amount if desired. The total amount due is the total amount of the loan you will have paid after you have made all payments as scheduled.
24 Months
5.99 - 24.99%
APR
$722
$722 was calculated based on a $15,000 loan with a rate of 14.27% over 24 months.
Per Month
Loan Details
5.99% - 24.99% APR
Pay off high-interest credit card balances and save
Quickly check your rate without affecting your credit score
No prepayment, late, or check-processing fees
Members see an average FICO® Score boost of 40 points when paying down credit card balances
APR (est) includes a discount ranging from .25 - 1.00% based on credit quality, term, and use of loan proceeds. This offer does not constitute a commitment to lend or an offer to extend credit. Upon submitting a loan application, you may be asked to provide additional documents to verify your identity, income, assets, or financial condition. The rate and terms you may be approved for will be shown to you during the application process. Loans subject to an origination fee, which is deducted from the loan proceeds. Refer to full borrower agreement for all terms, conditions and requirements.
12 Months
160%
APR
$2573
$2573 was calculated based on a $15,000 loan with a rate of 160% over 12 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
12 Months
59%
APR
$1684
$1684 was calculated based on a $15,000 loan with a rate of 59% over 12 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $3,001 to $5,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
60 Months
10.97 - 35.93%
APR
$388
$388 was calculated based on a $15,000 loan with a rate of 18.89% over 60 months.
Per Month
Loan Details
Affordable loans from $1,000 - $40,000 with low fixed rates that will never change, affordable monthly payments, and no prepayment penalties
Quick online application -- get pre-approved in just minutes
Checking your rate won't impact your credit score
Review multiple loan options so you can pick the amount and term that fits your budget and timeline
With automatic payments and a customizable due date, managing your account is easy and you'll be able to circle the date on your calendar when you'll be debt free
Personal loans made through Universal Credit feature APRs of 10.97%-35.93%. All personal loans have a 4.25% to 8% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. For example, if you receive a $10,000 loan with a 36-month term and a 27.65% APR (which includes a 22.99% yearly interest rate and a 6% one-time origination fee), you would receive $9,400 in your account and would have a required monthly payment of $387.05. Over the life of the loan, your payments would total $13,933.62. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early.
18 Months
199%
APR
$2655
$2655 was calculated based on a $15,000 loan with a rate of 199% over 18 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
24 Months
160%
APR
$2104
$2104 was calculated based on a $15,000 loan with a rate of 160% over 24 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
18 Months
160%
APR
$2235
$2235 was calculated based on a $15,000 loan with a rate of 160% over 18 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
9 Months
36 - 149%
APR
$2372
$2372 was calculated based on a $15,000 loan with a rate of 92.50% over 9 months.
Per Month
Loan Details
Cash in Your Account as Soon as Tomorrow1
Quick Application and Approval in Minutes
Borrow on Your Own Terms2
5-Day Risk-Free Guarantee if you change your mind3
No Prepayment Penalties and No Hidden Fees
This RISECredit.com loan example is based on a monthly payment schedule. Payment schedules will align with your pay frequency as reported on your application.
Loans are offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account (savings and prepaid accounts are not accepted), a job or regular source of income and email address to receive account information. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.
In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may require you to log into your bank account or provide proof of income. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement.
1Applications processed and approved before 6pm ET are typically funded the next business day.
2May be subject to minimum loan amount and loan term restrictions. Please visit www.RISECredit.com for details.
3You have 5 business days from your loan origination date to change your mind. If you decide that the loan isn’t right for you, simply call the toll-free customer service number at 866-580-1226, repay the principal within the 5 business day period and there will be no charges.
In KS, TN and TX, installment loans are originated by Capital Community Bank, a Utah Chartered bank, located in Provo UT, Member FDIC.
In AK, AZ, FL, HI, IN, KY, LA, MI, MN, MT, NE, NV, OH, OK, OR, WA and WY, Installment loans are originated by FinWise Bank, a Utah charted bank, located in Murray, UT, Member FDIC.
Loans are offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account (savings and prepaid accounts are not accepted), a job or regular source of income and email address to receive account information. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.
In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may require you to log into your bank account or provide proof of income. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement.
1Applications processed and approved before 6pm ET are typically funded the next business day.
2May be subject to minimum loan amount and loan term restrictions. Please visit www.RISECredit.com for details.
3You have 5 business days from your loan origination date to change your mind. If you decide that the loan isn’t right for you, simply call the toll-free customer service number at 866-580-1226, repay the principal within the 5 business day period and there will be no charges.
In KS, TN and TX, installment loans are originated by Capital Community Bank, a Utah Chartered bank, located in Provo UT, Member FDIC.
In AK, AZ, FL, HI, IN, KY, LA, MI, MN, MT, NE, NV, OH, OK, OR, WA and WY, Installment loans are originated by FinWise Bank, a Utah charted bank, located in Murray, UT, Member FDIC.
60 Months
18.28 - 29.99%
APR
$414
$414 was calculated based on a $15,000 loan with a rate of 21.99% over 60 months.
Per Month
Loan Details
Fixed-rate loans from $7,500 to $50,000. APRs from 7.99% to 29.99%
Interest rate discounts possible with a co-borrower, direct payment of creditors, or over $40,000 in retirement assets
Loan terms of 2 to 5 years
If you're approved, get money in as little as 48 hours. Loan consultants available via phone at (888) 494-6066.
All loans available through FreedomPlus.com are made by Cross River Bank, a New Jersey State Chartered Commercial Bank or MetaBank® , N.A., Members FDIC, Equal Housing Lenders. All loan and rate terms are subject to eligibility restrictions, application review, credit score, loan amount, loan term, lender approval, and credit usage and history. Terms and conditions apply. Loans are not available to residents of all states--please call a FreedomPlus representative for further details. The following limitations, in addition to others, shall apply: FreedomPlus does not arrange loans in: (i) Arizona under $10,500; (ii) Ohio under $5,500, and (iii) Georgia under $3,500. Repayment periods range from 24 to 60 months. The range of APRs on loans made available through FreedomPlus is 7.99% to a maximum of 29.99%. APR. The APR calculation includes all applicable fees, including the loan origination fee. For Example, a four-year $20,000 loan with an interest rate of 15.49% and corresponding APR of 18.34% would have an estimated monthly payment of $561.60 and a total cost payable of $7,948.13. To qualify for a 7.99% APR loan, a borrower will need excellent credit on a loan for an amount less than $12,000.00, and with a term equal to 24 months. Loan origination fees vary from 1.99% to 4.99%, though most loans will have a loan origination fee of 4.99%. Adding a co-borrower with sufficient income; using at least eighty-five percent (85%) of the loan proceeds to directly pay off qualifying existing debt; or showing proof of sufficient retirement savings, could help you also qualify for the lowest rate available.
24 Months
7.99 - 29.99%
APR
$718
$718 was calculated based on a $15,000 loan with a rate of 13.74% over 24 months.
Per Month
Loan Details
Fixed-rate loans from $7,500 to $50,000. APRs from 7.99% to 29.99%
Interest rate discounts possible with a co-borrower, direct payment of creditors, or over $40,000 in retirement assets
Loan terms of 2 to 5 years
If you're approved, get money in as little as 48 hours. Loan consultants available via phone at (888) 494-6066.
All loans available through FreedomPlus.com are made by Cross River Bank, a New Jersey State Chartered Commercial Bank or MetaBank® , N.A., Members FDIC, Equal Housing Lenders. All loan and rate terms are subject to eligibility restrictions, application review, credit score, loan amount, loan term, lender approval, and credit usage and history. Terms and conditions apply. Loans are not available to residents of all states--please call a FreedomPlus representative for further details. The following limitations, in addition to others, shall apply: FreedomPlus does not arrange loans in: (i) Arizona under $10,500; (ii) Ohio under $5,500, and (iii) Georgia under $3,500. Repayment periods range from 24 to 60 months. The range of APRs on loans made available through FreedomPlus is 7.99% to a maximum of 29.99%. APR. The APR calculation includes all applicable fees, including the loan origination fee. For Example, a four-year $20,000 loan with an interest rate of 15.49% and corresponding APR of 18.34% would have an estimated monthly payment of $561.60 and a total cost payable of $7,948.13. To qualify for a 7.99% APR loan, a borrower will need excellent credit on a loan for an amount less than $12,000.00, and with a term equal to 24 months. Loan origination fees vary from 1.99% to 4.99%, though most loans will have a loan origination fee of 4.99%. Adding a co-borrower with sufficient income; using at least eighty-five percent (85%) of the loan proceeds to directly pay off qualifying existing debt; or showing proof of sufficient retirement savings, could help you also qualify for the lowest rate available.
12 Months
160%
APR
$2573
$2573 was calculated based on a $15,000 loan with a rate of 160% over 12 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
9 Months
160%
APR
$2959
$2959 was calculated based on a $15,000 loan with a rate of 160% over 9 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
12 Months
160%
APR
$2573
$2573 was calculated based on a $15,000 loan with a rate of 160% over 12 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
36 Months
5.94 - 35.97%
APR
$534
$534 was calculated based on a $15,000 loan with a rate of 16.89% over 36 months.
Per Month
Loan Details
Affordable loans from $1,000 - $50,000 with low fixed rates that will never change, affordable monthly payments, and no prepayment penalties
Quick online application -- get pre-approved in just minutes
Checking your rate won't impact your credit score
Review multiple loan options so you can pick the amount and term that fits your budget and timeline
With automatic payments and a customizable due date, managing your account is easy and you'll be able to circle the date on your calendar when you'll be debt free
Personal loans made through Upgrade feature APRs of 5.94%-35.97%. All personal loans have a 2.9% to 8% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. For example, if you receive a $10,000 loan with a 36-month term and a 17.98% APR (which includes a 14.32% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $343.33. Over the life of the loan, your payments would total $12,359.97. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade's lending partners. Information on Upgrade's lending partners can be found at https://www.upgrade.com/lending-partners/.
9 Months
160%
APR
$2959
$2959 was calculated based on a $15,000 loan with a rate of 160% over 9 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
12 Months
36 - 175%
APR
$2073
$2073 was calculated based on a $15,000 loan with a rate of 105.50% over 12 months.
Per Month
Loan Details
Cash in Your Account as Soon as Tomorrow1
Quick Application and Approval in Minutes
Borrow on Your Own Terms2
5-Day Risk-Free Guarantee if you change your mind3
No Prepayment Penalties and No Hidden Fees
This RISECredit.com loan example is based on a monthly payment schedule. Payment schedules will align with your pay frequency as reported on your application.
Loans are offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account (savings and prepaid accounts are not accepted), a job or regular source of income and email address to receive account information. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.
In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may require you to log into your bank account or provide proof of income. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement.
1Applications processed and approved before 6pm ET are typically funded the next business day.
2May be subject to minimum loan amount and loan term restrictions. Please visit www.RISECredit.com for details.
3You have 5 business days from your loan origination date to change your mind. If you decide that the loan isn’t right for you, simply call the toll-free customer service number at 866-580-1226, repay the principal within the 5 business day period and there will be no charges.
In KS, TN and TX, installment loans are originated by Capital Community Bank, a Utah Chartered bank, located in Provo UT, Member FDIC.
In AK, AZ, FL, HI, IN, KY, LA, MI, MN, MT, NE, NV, OH, OK, OR, WA and WY, Installment loans are originated by FinWise Bank, a Utah charted bank, located in Murray, UT, Member FDIC.
Loans are offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account (savings and prepaid accounts are not accepted), a job or regular source of income and email address to receive account information. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.
In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may require you to log into your bank account or provide proof of income. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement.
1Applications processed and approved before 6pm ET are typically funded the next business day.
2May be subject to minimum loan amount and loan term restrictions. Please visit www.RISECredit.com for details.
3You have 5 business days from your loan origination date to change your mind. If you decide that the loan isn’t right for you, simply call the toll-free customer service number at 866-580-1226, repay the principal within the 5 business day period and there will be no charges.
In KS, TN and TX, installment loans are originated by Capital Community Bank, a Utah Chartered bank, located in Provo UT, Member FDIC.
In AK, AZ, FL, HI, IN, KY, LA, MI, MN, MT, NE, NV, OH, OK, OR, WA and WY, Installment loans are originated by FinWise Bank, a Utah charted bank, located in Murray, UT, Member FDIC.
18 Months
160%
APR
$2235
$2235 was calculated based on a $15,000 loan with a rate of 160% over 18 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
36 Months
17.78 - 29.99%
APR
$555
$555 was calculated based on a $15,000 loan with a rate of 19.74% over 36 months.
Per Month
Loan Details
Fixed-rate loans from $7,500 to $50,000. APRs from 7.99% to 29.99%
Interest rate discounts possible with a co-borrower, direct payment of creditors, or over $40,000 in retirement assets
Loan terms of 2 to 5 years
If you're approved, get money in as little as 48 hours. Loan consultants available via phone at (888) 494-6066.
All loans available through FreedomPlus.com are made by Cross River Bank, a New Jersey State Chartered Commercial Bank or MetaBank® , N.A., Members FDIC, Equal Housing Lenders. All loan and rate terms are subject to eligibility restrictions, application review, credit score, loan amount, loan term, lender approval, and credit usage and history. Terms and conditions apply. Loans are not available to residents of all states--please call a FreedomPlus representative for further details. The following limitations, in addition to others, shall apply: FreedomPlus does not arrange loans in: (i) Arizona under $10,500; (ii) Ohio under $5,500, and (iii) Georgia under $3,500. Repayment periods range from 24 to 60 months. The range of APRs on loans made available through FreedomPlus is 7.99% to a maximum of 29.99%. APR. The APR calculation includes all applicable fees, including the loan origination fee. For Example, a four-year $20,000 loan with an interest rate of 15.49% and corresponding APR of 18.34% would have an estimated monthly payment of $561.60 and a total cost payable of $7,948.13. To qualify for a 7.99% APR loan, a borrower will need excellent credit on a loan for an amount less than $12,000.00, and with a term equal to 24 months. Loan origination fees vary from 1.99% to 4.99%, though most loans will have a loan origination fee of 4.99%. Adding a co-borrower with sufficient income; using at least eighty-five percent (85%) of the loan proceeds to directly pay off qualifying existing debt; or showing proof of sufficient retirement savings, could help you also qualify for the lowest rate available.
18 Months
160%
APR
$2235
$2235 was calculated based on a $15,000 loan with a rate of 160% over 18 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
18 Months
160%
APR
$2235
$2235 was calculated based on a $15,000 loan with a rate of 160% over 18 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
60 Months
9.99 - 34.98%
APR
$388
$388 was calculated based on a $15,000 loan with a rate of 18.89% over 60 months.
Per Month
Loan Details
Affordable loans from $10,000 - $50,000 with low fixed rates that will never change, affordable monthly payments, and no prepayment penalties
Quick online application -- get pre-approved in just minutes
Checking your rate won't impact your credit score
Review multiple loan options so you can pick the amount and term that fits your budget and timeline
With automatic payments and a customizable due date, managing your account is easy and you'll be able to circle the date on your calendar when you'll be debt free
Personal loans made through Upgrade feature APRs of 5.94%-35.97%. All personal loans have a 2.9% to 8% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. For example, if you receive a $10,000 loan with a 36-month term and a 17.98% APR (which includes a 14.32% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $343.33. Over the life of the loan, your payments would total $12,359.97. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade's lending partners. Information on Upgrade's lending partners can be found at https://www.upgrade.com/lending-partners/.
9 Months
36 - 299%
APR
$3028
$3028 was calculated based on a $15,000 loan with a rate of 167.50% over 9 months.
Per Month
Loan Details
Cash in Your Account as Soon as Tomorrow1
Quick Application and Approval in Minutes
Borrow on Your Own Terms2
5-Day Risk-Free Guarantee if you change your mind3
No Prepayment Penalties and No Hidden Fees
This RISECredit.com loan example is based on a monthly payment schedule. Payment schedules will align with your pay frequency as reported on your application.
Loans are offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account (savings and prepaid accounts are not accepted), a job or regular source of income and email address to receive account information. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.
In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may require you to log into your bank account or provide proof of income. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement.
1Applications processed and approved before 6pm ET are typically funded the next business day.
2May be subject to minimum loan amount and loan term restrictions. Please visit www.RISECredit.com for details.
3You have 5 business days from your loan origination date to change your mind. If you decide that the loan isn’t right for you, simply call the toll-free customer service number at 866-580-1226, repay the principal within the 5 business day period and there will be no charges.
In KS, TN and TX, installment loans are originated by Capital Community Bank, a Utah Chartered bank, located in Provo UT, Member FDIC.
In AK, AZ, FL, HI, IN, KY, LA, MI, MN, MT, NE, NV, OH, OK, OR, WA and WY, Installment loans are originated by FinWise Bank, a Utah charted bank, located in Murray, UT, Member FDIC.
Loans are offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account (savings and prepaid accounts are not accepted), a job or regular source of income and email address to receive account information. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.
In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may require you to log into your bank account or provide proof of income. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement.
1Applications processed and approved before 6pm ET are typically funded the next business day.
2May be subject to minimum loan amount and loan term restrictions. Please visit www.RISECredit.com for details.
3You have 5 business days from your loan origination date to change your mind. If you decide that the loan isn’t right for you, simply call the toll-free customer service number at 866-580-1226, repay the principal within the 5 business day period and there will be no charges.
In KS, TN and TX, installment loans are originated by Capital Community Bank, a Utah Chartered bank, located in Provo UT, Member FDIC.
In AK, AZ, FL, HI, IN, KY, LA, MI, MN, MT, NE, NV, OH, OK, OR, WA and WY, Installment loans are originated by FinWise Bank, a Utah charted bank, located in Murray, UT, Member FDIC.
18 Months
160%
APR
$2235
$2235 was calculated based on a $15,000 loan with a rate of 160% over 18 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $5,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
24 Months
6.99 - 18.50%
APR
$711
$711 was calculated based on a $15,000 loan with a rate of 12.75% over 24 months.
Per Month
Loan Details
Personal Loans with low fixed rates
Borrow up to $100,000
No Origination Fees, No Prepayment Penalties, and No Late or Overdraft Fees
Simple online application with live support 7 days a week
Apply Now
Fixed rates from 6.99% APR to 21.78% APR (with all discounts). SoFi rate ranges are current as of 3/15/22 and are subject to change without notice. Not all rates and amounts available in all states. See Personal Loan eligibility details. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, income, and other factors. See APR examples and terms. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account.
9 Months
160%
APR
$2959
$2959 was calculated based on a $15,000 loan with a rate of 160% over 9 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $2,000 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
60 Months
6.34 - 35.89%
APR
$381
$381 was calculated based on a $15,000 loan with a rate of 17.99% over 60 months.
Per Month
Loan Details
We’ve helped over 4 million members start their journey out of debt
Check your rate with no impact to your credit score*
Get your cash in as little as 24 hours*
We offer flexible amounts and terms, with no pre-payment penalties
Take advantage of unique offerings--balance transfer loans, joint applications, auto loans, and other member perks
See why 4.8 out of 5 customers would recommend us to a friend*
A representative example of loan payment terms is as follows: you receive a loan of $13,411 for a term of 36 months, with an interest rate of 12.16% and a 5.30% origination fee of $711, for an APR of 15.99%. In this example, you will receive $12,700 and will make 36 monthly payments of $446.46. Loan amounts range from $1,000 to $40,000 and loan term lengths are 36 months or 60 months. Some amounts and term lengths may be unavailable in certain states.
APR ranges from 6.34% to 35.89% and is determined at the time of application. Origination fee ranges from 2% to 6% of the loan amount. Lowest APR is available to borrowers with excellent credit. Advertised rates and fees are valid as of 3/15/22 and are subject to change without notice.
Checking your loan rate generates a soft credit inquiry on your credit report, which is visible only to you. A hard credit inquiry, which is visible to you and others, and which may affect your credit score, only appears on your credit report if and when a loan is issued to you. Your loan APR will depend upon your credit score and other key financing characteristics, including but not limited to the amount financed, loan term length, and your credit usage and history.
Between January 2022 and March 2022, personal loans issued by LendingClub Bank were funded within 24 hours after loan approval, on average. The time it takes for a loan to be funded is not guaranteed and individual results vary based on multiple factors, including but not limited to investor demand.
Reviews collected and authenticated by Bazaarvoice. All reviews can be seen at Reviews.Lendingclub.com.
Loans are made by LendingClub Bank, N.A., Member FDIC, Equal Housing Lender (“LendingClub Bank”), a wholly-owned subsidiary of LendingClub Corporation, NMLS ID 167439. LendingClub Bank is not an affiliate of Experian (“Credit Match”) and is not responsible for the products and services provided by Experian. Loans are subject to credit approval and sufficient investor commitment before they can be funded or issued. Certain information that LendingClub Bank subsequently obtains as part of the application process (including but not limited to information in your consumer report, your income, the loan amount that your request, the purpose of your loan, and qualifying debt) will be considered and could affect your ability to obtain a loan. Loan closing is contingent on accepting all required agreements and disclosures at Lendingclub.com. “LendingClub” is a trademark of LendingClub Bank.
APR ranges from 6.34% to 35.89% and is determined at the time of application. Origination fee ranges from 2% to 6% of the loan amount. Lowest APR is available to borrowers with excellent credit. Advertised rates and fees are valid as of 3/15/22 and are subject to change without notice.
Checking your loan rate generates a soft credit inquiry on your credit report, which is visible only to you. A hard credit inquiry, which is visible to you and others, and which may affect your credit score, only appears on your credit report if and when a loan is issued to you. Your loan APR will depend upon your credit score and other key financing characteristics, including but not limited to the amount financed, loan term length, and your credit usage and history.
Between January 2022 and March 2022, personal loans issued by LendingClub Bank were funded within 24 hours after loan approval, on average. The time it takes for a loan to be funded is not guaranteed and individual results vary based on multiple factors, including but not limited to investor demand.
Reviews collected and authenticated by Bazaarvoice. All reviews can be seen at Reviews.Lendingclub.com.
Loans are made by LendingClub Bank, N.A., Member FDIC, Equal Housing Lender (“LendingClub Bank”), a wholly-owned subsidiary of LendingClub Corporation, NMLS ID 167439. LendingClub Bank is not an affiliate of Experian (“Credit Match”) and is not responsible for the products and services provided by Experian. Loans are subject to credit approval and sufficient investor commitment before they can be funded or issued. Certain information that LendingClub Bank subsequently obtains as part of the application process (including but not limited to information in your consumer report, your income, the loan amount that your request, the purpose of your loan, and qualifying debt) will be considered and could affect your ability to obtain a loan. Loan closing is contingent on accepting all required agreements and disclosures at Lendingclub.com. “LendingClub” is a trademark of LendingClub Bank.
18 Months
160%
APR
$2235
$2235 was calculated based on a $15,000 loan with a rate of 160% over 18 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $3,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
18 Months
160%
APR
$2235
$2235 was calculated based on a $15,000 loan with a rate of 160% over 18 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
18 Months
160%
APR
$2235
$2235 was calculated based on a $15,000 loan with a rate of 160% over 18 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
18 Months
160%
APR
$2235
$2235 was calculated based on a $15,000 loan with a rate of 160% over 18 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
36 Months
7.95 - 35.99%
APR
$550
$550 was calculated based on a $15,000 loan with a rate of 19.06% over 36 months.
Per Month
Loan Details
More than $19 billion loans funded
Join America's first personal loan marketplace with over 1 million members
Next Day Funding - In as Little as One Business Day**
Get fixed monthly payments with no prepayment penalties
For example, a three-year $10,000 personal loan would have an interest rate of 11.74% and a 5.00% origination fee for an annual percentage rate (APR) of 15.34% APR. You would receive $9,500 and make 36 scheduled monthly payments of $330.90. A five-year $10,000 personal loan would have an interest rate of 11.99% and a 5.00% origination fee with a 14.27% APR. You would receive $9,500 and make 60 scheduled monthly payments of $222.39. Origination fees vary between 2.41%-5%. Personal loan APRs through Prosper range from 7.95% to 35.99%, with the lowest rates for the most creditworthy borrowers.
Eligibility for personal loans up to $40,000 depends on the information provided by the applicant in the application form. Eligibility for personal loans is not guaranteed, and requires that a sufficient number of investors commit funds to your account and that you meet credit and other conditions. Refer to Borrower Registration Agreement for details and all terms and conditions. All personal loans made by WebBank, Member FDIC.
**You may receive your funds one business day after your acceptance of the loan offer, completion of all necessary verification steps and final approval. One business day funding is also dependent on your bank's ability to quickly process the transaction.
Eligibility for personal loans up to $40,000 depends on the information provided by the applicant in the application form. Eligibility for personal loans is not guaranteed, and requires that a sufficient number of investors commit funds to your account and that you meet credit and other conditions. Refer to Borrower Registration Agreement for details and all terms and conditions. All personal loans made by WebBank, Member FDIC.
**You may receive your funds one business day after your acceptance of the loan offer, completion of all necessary verification steps and final approval. One business day funding is also dependent on your bank's ability to quickly process the transaction.
18 Months
160%
APR
$2235
$2235 was calculated based on a $15,000 loan with a rate of 160% over 18 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
18 Months
160%
APR
$2235
$2235 was calculated based on a $15,000 loan with a rate of 160% over 18 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
24 Months
160%
APR
$2104
$2104 was calculated based on a $15,000 loan with a rate of 160% over 24 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
12 Months
160%
APR
$2573
$2573 was calculated based on a $15,000 loan with a rate of 160% over 12 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
9 Months
160%
APR
$2959
$2959 was calculated based on a $15,000 loan with a rate of 160% over 9 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
18 Months
36 - 175%
APR
$1689
$1689 was calculated based on a $15,000 loan with a rate of 105.50% over 18 months.
Per Month
Loan Details
Cash in Your Account as Soon as Tomorrow1
Quick Application and Approval in Minutes
Borrow on Your Own Terms2
5-Day Risk-Free Guarantee if you change your mind3
No Prepayment Penalties and No Hidden Fees
This RISECredit.com loan example is based on a monthly payment schedule. Payment schedules will align with your pay frequency as reported on your application.
Loans are offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account (savings and prepaid accounts are not accepted), a job or regular source of income and email address to receive account information. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.
In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may require you to log into your bank account or provide proof of income. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement.
1Applications processed and approved before 6pm ET are typically funded the next business day.
2May be subject to minimum loan amount and loan term restrictions. Please visit www.RISECredit.com for details.
3You have 5 business days from your loan origination date to change your mind. If you decide that the loan isn’t right for you, simply call the toll-free customer service number at 866-580-1226, repay the principal within the 5 business day period and there will be no charges.
In KS, TN and TX, installment loans are originated by Capital Community Bank, a Utah Chartered bank, located in Provo UT, Member FDIC.
In AK, AZ, FL, HI, IN, KY, LA, MI, MN, MT, NE, NV, OH, OK, OR, WA and WY, Installment loans are originated by FinWise Bank, a Utah charted bank, located in Murray, UT, Member FDIC.
Loans are offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account (savings and prepaid accounts are not accepted), a job or regular source of income and email address to receive account information. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.
In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may require you to log into your bank account or provide proof of income. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement.
1Applications processed and approved before 6pm ET are typically funded the next business day.
2May be subject to minimum loan amount and loan term restrictions. Please visit www.RISECredit.com for details.
3You have 5 business days from your loan origination date to change your mind. If you decide that the loan isn’t right for you, simply call the toll-free customer service number at 866-580-1226, repay the principal within the 5 business day period and there will be no charges.
In KS, TN and TX, installment loans are originated by Capital Community Bank, a Utah Chartered bank, located in Provo UT, Member FDIC.
In AK, AZ, FL, HI, IN, KY, LA, MI, MN, MT, NE, NV, OH, OK, OR, WA and WY, Installment loans are originated by FinWise Bank, a Utah charted bank, located in Murray, UT, Member FDIC.
9 Months
160%
APR
$2959
$2959 was calculated based on a $15,000 loan with a rate of 160% over 9 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
36 Months
6.99 - 18.75%
APR
$504
$504 was calculated based on a $15,000 loan with a rate of 12.87% over 36 months.
Per Month
Loan Details
Personal Loans with low fixed rates
Borrow up to $100,000
No Origination Fees, No Prepayment Penalties, and No Late or Overdraft Fees
Simple online application with live support 7 days a week
Apply Now
Fixed rates from 6.99% APR to 21.78% APR (with all discounts). SoFi rate ranges are current as of 3/15/22 and are subject to change without notice. Not all rates and amounts available in all states. See Personal Loan eligibility details. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, income, and other factors. See APR examples and terms. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account.
24 Months
160%
APR
$2104
$2104 was calculated based on a $15,000 loan with a rate of 160% over 24 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
12 Months
36 - 299%
APR
$2645
$2645 was calculated based on a $15,000 loan with a rate of 167.50% over 12 months.
Per Month
Loan Details
Cash in Your Account as Soon as Tomorrow1
Quick Application and Approval in Minutes
Borrow on Your Own Terms2
5-Day Risk-Free Guarantee if you change your mind3
No Prepayment Penalties and No Hidden Fees
This RISECredit.com loan example is based on a monthly payment schedule. Payment schedules will align with your pay frequency as reported on your application.
Loans are offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account (savings and prepaid accounts are not accepted), a job or regular source of income and email address to receive account information. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.
In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may require you to log into your bank account or provide proof of income. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement.
1Applications processed and approved before 6pm ET are typically funded the next business day.
2May be subject to minimum loan amount and loan term restrictions. Please visit www.RISECredit.com for details.
3You have 5 business days from your loan origination date to change your mind. If you decide that the loan isn’t right for you, simply call the toll-free customer service number at 866-580-1226, repay the principal within the 5 business day period and there will be no charges.
In KS, TN and TX, installment loans are originated by Capital Community Bank, a Utah Chartered bank, located in Provo UT, Member FDIC.
In AK, AZ, FL, HI, IN, KY, LA, MI, MN, MT, NE, NV, OH, OK, OR, WA and WY, Installment loans are originated by FinWise Bank, a Utah charted bank, located in Murray, UT, Member FDIC.
Loans are offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account (savings and prepaid accounts are not accepted), a job or regular source of income and email address to receive account information. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.
In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may require you to log into your bank account or provide proof of income. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement.
1Applications processed and approved before 6pm ET are typically funded the next business day.
2May be subject to minimum loan amount and loan term restrictions. Please visit www.RISECredit.com for details.
3You have 5 business days from your loan origination date to change your mind. If you decide that the loan isn’t right for you, simply call the toll-free customer service number at 866-580-1226, repay the principal within the 5 business day period and there will be no charges.
In KS, TN and TX, installment loans are originated by Capital Community Bank, a Utah Chartered bank, located in Provo UT, Member FDIC.
In AK, AZ, FL, HI, IN, KY, LA, MI, MN, MT, NE, NV, OH, OK, OR, WA and WY, Installment loans are originated by FinWise Bank, a Utah charted bank, located in Murray, UT, Member FDIC.
12 Months
160%
APR
$2573
$2573 was calculated based on a $15,000 loan with a rate of 160% over 12 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
12 Months
36 - 299%
APR
$2645
$2645 was calculated based on a $15,000 loan with a rate of 167.50% over 12 months.
Per Month
Loan Details
Cash in Your Account as Soon as Tomorrow1
Quick Application and Approval in Minutes
Borrow on Your Own Terms2
5-Day Risk-Free Guarantee if you change your mind3
No Prepayment Penalties and No Hidden Fees
This RISECredit.com loan example is based on a monthly payment schedule. Payment schedules will align with your pay frequency as reported on your application.
Loans are offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account (savings and prepaid accounts are not accepted), a job or regular source of income and email address to receive account information. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.
In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may require you to log into your bank account or provide proof of income. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement.
1Applications processed and approved before 6pm ET are typically funded the next business day.
2May be subject to minimum loan amount and loan term restrictions. Please visit www.RISECredit.com for details.
3You have 5 business days from your loan origination date to change your mind. If you decide that the loan isn’t right for you, simply call the toll-free customer service number at 866-580-1226, repay the principal within the 5 business day period and there will be no charges.
In KS, TN and TX, installment loans are originated by Capital Community Bank, a Utah Chartered bank, located in Provo UT, Member FDIC.
In AK, AZ, FL, HI, IN, KY, LA, MI, MN, MT, NE, NV, OH, OK, OR, WA and WY, Installment loans are originated by FinWise Bank, a Utah charted bank, located in Murray, UT, Member FDIC.
Loans are offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account (savings and prepaid accounts are not accepted), a job or regular source of income and email address to receive account information. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.
In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may require you to log into your bank account or provide proof of income. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement.
1Applications processed and approved before 6pm ET are typically funded the next business day.
2May be subject to minimum loan amount and loan term restrictions. Please visit www.RISECredit.com for details.
3You have 5 business days from your loan origination date to change your mind. If you decide that the loan isn’t right for you, simply call the toll-free customer service number at 866-580-1226, repay the principal within the 5 business day period and there will be no charges.
In KS, TN and TX, installment loans are originated by Capital Community Bank, a Utah Chartered bank, located in Provo UT, Member FDIC.
In AK, AZ, FL, HI, IN, KY, LA, MI, MN, MT, NE, NV, OH, OK, OR, WA and WY, Installment loans are originated by FinWise Bank, a Utah charted bank, located in Murray, UT, Member FDIC.
18 Months
160%
APR
$2235
$2235 was calculated based on a $15,000 loan with a rate of 160% over 18 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $2,000 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
18 Months
160%
APR
$2235
$2235 was calculated based on a $15,000 loan with a rate of 160% over 18 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
18 Months
160%
APR
$2235
$2235 was calculated based on a $15,000 loan with a rate of 160% over 18 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
24 Months
160%
APR
$2104
$2104 was calculated based on a $15,000 loan with a rate of 160% over 24 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
60 Months
7.95 - 35.99%
APR
$390
$390 was calculated based on a $15,000 loan with a rate of 19.06% over 60 months.
Per Month
Loan Details
More than $19 billion loans funded
Join America's first personal loan marketplace with over 1 million members
Next Day Funding - In as Little as One Business Day**
Get fixed monthly payments with no prepayment penalties
For example, a three-year $10,000 personal loan would have an interest rate of 11.74% and a 5.00% origination fee for an annual percentage rate (APR) of 15.34% APR. You would receive $9,500 and make 36 scheduled monthly payments of $330.90. A five-year $10,000 personal loan would have an interest rate of 11.99% and a 5.00% origination fee with a 14.27% APR. You would receive $9,500 and make 60 scheduled monthly payments of $222.39. Origination fees vary between 2.41%-5%. Personal loan APRs through Prosper range from 7.95% to 35.99%, with the lowest rates for the most creditworthy borrowers.
Eligibility for personal loans up to $40,000 depends on the information provided by the applicant in the application form. Eligibility for personal loans is not guaranteed, and requires that a sufficient number of investors commit funds to your account and that you meet credit and other conditions. Refer to Borrower Registration Agreement for details and all terms and conditions. All personal loans made by WebBank, Member FDIC.
**You may receive your funds one business day after your acceptance of the loan offer, completion of all necessary verification steps and final approval. One business day funding is also dependent on your bank's ability to quickly process the transaction.
Eligibility for personal loans up to $40,000 depends on the information provided by the applicant in the application form. Eligibility for personal loans is not guaranteed, and requires that a sufficient number of investors commit funds to your account and that you meet credit and other conditions. Refer to Borrower Registration Agreement for details and all terms and conditions. All personal loans made by WebBank, Member FDIC.
**You may receive your funds one business day after your acceptance of the loan offer, completion of all necessary verification steps and final approval. One business day funding is also dependent on your bank's ability to quickly process the transaction.
24 Months
160%
APR
$2104
$2104 was calculated based on a $15,000 loan with a rate of 160% over 24 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
9 Months
160%
APR
$2959
$2959 was calculated based on a $15,000 loan with a rate of 160% over 9 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
18 Months
160%
APR
$2235
$2235 was calculated based on a $15,000 loan with a rate of 160% over 18 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
60 Months
7.95 - 12%
APR
$304
$304 was calculated based on a $15,000 loan with a rate of 7.97% over 60 months.
Per Month
Loan Details
More than $19 billion loans funded
Join America's first personal loan marketplace with over 1 million members
Next Day Funding - In as Little as One Business Day**
Get fixed monthly payments with no prepayment penalties
For example, a three-year $10,000 personal loan would have an interest rate of 11.74% and a 5.00% origination fee for an annual percentage rate (APR) of 15.34% APR. You would receive $9,500 and make 36 scheduled monthly payments of $330.90. A five-year $10,000 personal loan would have an interest rate of 11.99% and a 5.00% origination fee with a 14.27% APR. You would receive $9,500 and make 60 scheduled monthly payments of $222.39. Origination fees vary between 2.41%-5%. Personal loan APRs through Prosper range from 7.95% to 35.99%, with the lowest rates for the most creditworthy borrowers.
Eligibility for personal loans up to $40,000 depends on the information provided by the applicant in the application form. Eligibility for personal loans is not guaranteed, and requires that a sufficient number of investors commit funds to your account and that you meet credit and other conditions. Refer to Borrower Registration Agreement for details and all terms and conditions. All personal loans made by WebBank, Member FDIC.
**You may receive your funds one business day after your acceptance of the loan offer, completion of all necessary verification steps and final approval. One business day funding is also dependent on your bank's ability to quickly process the transaction.
Eligibility for personal loans up to $40,000 depends on the information provided by the applicant in the application form. Eligibility for personal loans is not guaranteed, and requires that a sufficient number of investors commit funds to your account and that you meet credit and other conditions. Refer to Borrower Registration Agreement for details and all terms and conditions. All personal loans made by WebBank, Member FDIC.
**You may receive your funds one business day after your acceptance of the loan offer, completion of all necessary verification steps and final approval. One business day funding is also dependent on your bank's ability to quickly process the transaction.
24 Months
160%
APR
$2104
$2104 was calculated based on a $15,000 loan with a rate of 160% over 24 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
24 Months
160%
APR
$2104
$2104 was calculated based on a $15,000 loan with a rate of 160% over 24 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
12 Months
199%
APR
$2956
$2956 was calculated based on a $15,000 loan with a rate of 199% over 12 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
36 Months
9.99 - 35.99%
APR
$581
$581 was calculated based on a $15,000 loan with a rate of 23.00% over 36 months.
Per Month
Loan Details
Loans from $2,000 to $36,500 and no prepayment penalties
Rates from 7.99% to 35.99% APR
Check your rate without impacting your credit score
Simple online application
Funds available as soon as the next business day upon approval
LendingPoint's innovative technology allows them to understand the individual creditworthiness of every applicant
Terms from 24 - 60 months
Fixed monthly payment and simple interest
LendingPoint has thousands of five-star reviews on Trustpilot
LendingPoint has an A+ rating from the Better Business Bureau
Applications submitted on this website may be funded by one of several lenders, including: FinWise bank, a Utah-chartered bank Member FDIC; Coastal Community Bank, Member FDIC; and LendingPoint, a licensed lender in certain states. Loan approval is not guaranteed. Actual loan offers and loan amounts, terms and annual percentage rates ("APR") may vary based upon LendingPoint's proprietary scoring and underwriting system's review of your credit, financial condition, other factors, and supporting documents or information you provide. Origination or other fees from 0% to 6% may apply depending upon your state of residence. Upon final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. Loans are offered from $2,000 to $36,500, at rates ranging from 7.99% to 35.99% APR, with terms from 24 to 60 months. Georgia loans have a minimum $3,500 loan amount. For a well-qualified customer, a $10,000 loan for a period of 48 months with an APR of 23.72% and origination fee of 6% will have a payment of $324.48 per month. (Actual terms and rate depend on credit history, income, and other factors.) Customers may have the option to deduct the origination fee from the disbursed loan amount if desired. The total amount due is the total amount of the loan you will have paid after you have made all payments as scheduled.
60 Months
5.99 - 24.99%
APR
$351
$351 was calculated based on a $15,000 loan with a rate of 14.27% over 60 months.
Per Month
Loan Details
5.99% - 24.99% APR
Pay off high-interest credit card balances and save
Quickly check your rate without affecting your credit score
No prepayment, late, or check-processing fees
Members see an average FICO® Score boost of 40 points when paying down credit card balances
APR (est) includes a discount ranging from .25 - 1.00% based on credit quality, term, and use of loan proceeds. This offer does not constitute a commitment to lend or an offer to extend credit. Upon submitting a loan application, you may be asked to provide additional documents to verify your identity, income, assets, or financial condition. The rate and terms you may be approved for will be shown to you during the application process. Loans subject to an origination fee, which is deducted from the loan proceeds. Refer to full borrower agreement for all terms, conditions and requirements.
48 Months
6.99 - 20.50%
APR
$408
$408 was calculated based on a $15,000 loan with a rate of 13.75% over 48 months.
Per Month
Loan Details
Personal Loans with low fixed rates
Borrow up to $100,000
No Origination Fees, No Prepayment Penalties, and No Late or Overdraft Fees
Simple online application with live support 7 days a week
Apply Now
Fixed rates from 6.99% APR to 21.78% APR (with all discounts). SoFi rate ranges are current as of 3/15/22 and are subject to change without notice. Not all rates and amounts available in all states. See Personal Loan eligibility details. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, income, and other factors. See APR examples and terms. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account.
12 Months
160%
APR
$2573
$2573 was calculated based on a $15,000 loan with a rate of 160% over 12 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $3,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
24 Months
160%
APR
$2104
$2104 was calculated based on a $15,000 loan with a rate of 160% over 24 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
12 Months
36 - 149%
APR
$1960
$1960 was calculated based on a $15,000 loan with a rate of 92.50% over 12 months.
Per Month
Loan Details
Cash in Your Account as Soon as Tomorrow1
Quick Application and Approval in Minutes
Borrow on Your Own Terms2
5-Day Risk-Free Guarantee if you change your mind3
No Prepayment Penalties and No Hidden Fees
This RISECredit.com loan example is based on a monthly payment schedule. Payment schedules will align with your pay frequency as reported on your application.
Loans are offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account (savings and prepaid accounts are not accepted), a job or regular source of income and email address to receive account information. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.
In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may require you to log into your bank account or provide proof of income. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement.
1Applications processed and approved before 6pm ET are typically funded the next business day.
2May be subject to minimum loan amount and loan term restrictions. Please visit www.RISECredit.com for details.
3You have 5 business days from your loan origination date to change your mind. If you decide that the loan isn’t right for you, simply call the toll-free customer service number at 866-580-1226, repay the principal within the 5 business day period and there will be no charges.
In KS, TN and TX, installment loans are originated by Capital Community Bank, a Utah Chartered bank, located in Provo UT, Member FDIC.
In AK, AZ, FL, HI, IN, KY, LA, MI, MN, MT, NE, NV, OH, OK, OR, WA and WY, Installment loans are originated by FinWise Bank, a Utah charted bank, located in Murray, UT, Member FDIC.
Loans are offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account (savings and prepaid accounts are not accepted), a job or regular source of income and email address to receive account information. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.
In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may require you to log into your bank account or provide proof of income. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement.
1Applications processed and approved before 6pm ET are typically funded the next business day.
2May be subject to minimum loan amount and loan term restrictions. Please visit www.RISECredit.com for details.
3You have 5 business days from your loan origination date to change your mind. If you decide that the loan isn’t right for you, simply call the toll-free customer service number at 866-580-1226, repay the principal within the 5 business day period and there will be no charges.
In KS, TN and TX, installment loans are originated by Capital Community Bank, a Utah Chartered bank, located in Provo UT, Member FDIC.
In AK, AZ, FL, HI, IN, KY, LA, MI, MN, MT, NE, NV, OH, OK, OR, WA and WY, Installment loans are originated by FinWise Bank, a Utah charted bank, located in Murray, UT, Member FDIC.
72 Months
8.73 - 16.90%
APR
$300
$300 was calculated based on a $15,000 loan with a rate of 12.81% over 72 months.
Per Month
Loan Details
Personal Loans with low fixed rates
Borrow up to $100,000
No Origination Fees, No Prepayment Penalties, and No Late or Overdraft Fees
Simple online application with live support 7 days a week
Apply Now
Fixed rates from 6.99% APR to 21.78% APR (with all discounts). SoFi rate ranges are current as of 3/15/22 and are subject to change without notice. Not all rates and amounts available in all states. See Personal Loan eligibility details. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, income, and other factors. See APR examples and terms. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account.
18 Months
160%
APR
$2235
$2235 was calculated based on a $15,000 loan with a rate of 160% over 18 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
18 Months
160%
APR
$2235
$2235 was calculated based on a $15,000 loan with a rate of 160% over 18 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
9 Months
160%
APR
$2959
$2959 was calculated based on a $15,000 loan with a rate of 160% over 9 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $501 to $2,5001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
9 Months
160%
APR
$2959
$2959 was calculated based on a $15,000 loan with a rate of 160% over 9 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
24 Months
160%
APR
$2104
$2104 was calculated based on a $15,000 loan with a rate of 160% over 24 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
18 Months
199%
APR
$2655
$2655 was calculated based on a $15,000 loan with a rate of 199% over 18 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $5,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
9 Months
160%
APR
$2959
$2959 was calculated based on a $15,000 loan with a rate of 160% over 9 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
25 Months
36 - 149%
APR
$1370
$1370 was calculated based on a $15,000 loan with a rate of 92.50% over 25 months.
Per Month
Loan Details
Cash in Your Account as Soon as Tomorrow1
Quick Application and Approval in Minutes
Borrow on Your Own Terms2
5-Day Risk-Free Guarantee if you change your mind3
No Prepayment Penalties and No Hidden Fees
This RISECredit.com loan example is based on a monthly payment schedule. Payment schedules will align with your pay frequency as reported on your application.
Loans are offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account (savings and prepaid accounts are not accepted), a job or regular source of income and email address to receive account information. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.
In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may require you to log into your bank account or provide proof of income. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement.
1Applications processed and approved before 6pm ET are typically funded the next business day.
2May be subject to minimum loan amount and loan term restrictions. Please visit www.RISECredit.com for details.
3You have 5 business days from your loan origination date to change your mind. If you decide that the loan isn’t right for you, simply call the toll-free customer service number at 866-580-1226, repay the principal within the 5 business day period and there will be no charges.
In KS, TN and TX, installment loans are originated by Capital Community Bank, a Utah Chartered bank, located in Provo UT, Member FDIC.
In AK, AZ, FL, HI, IN, KY, LA, MI, MN, MT, NE, NV, OH, OK, OR, WA and WY, Installment loans are originated by FinWise Bank, a Utah charted bank, located in Murray, UT, Member FDIC.
Loans are offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account (savings and prepaid accounts are not accepted), a job or regular source of income and email address to receive account information. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.
In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may require you to log into your bank account or provide proof of income. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement.
1Applications processed and approved before 6pm ET are typically funded the next business day.
2May be subject to minimum loan amount and loan term restrictions. Please visit www.RISECredit.com for details.
3You have 5 business days from your loan origination date to change your mind. If you decide that the loan isn’t right for you, simply call the toll-free customer service number at 866-580-1226, repay the principal within the 5 business day period and there will be no charges.
In KS, TN and TX, installment loans are originated by Capital Community Bank, a Utah Chartered bank, located in Provo UT, Member FDIC.
In AK, AZ, FL, HI, IN, KY, LA, MI, MN, MT, NE, NV, OH, OK, OR, WA and WY, Installment loans are originated by FinWise Bank, a Utah charted bank, located in Murray, UT, Member FDIC.
12 Months
160%
APR
$2573
$2573 was calculated based on a $15,000 loan with a rate of 160% over 12 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
9 Months
160%
APR
$2959
$2959 was calculated based on a $15,000 loan with a rate of 160% over 9 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
12 Months
199%
APR
$2956
$2956 was calculated based on a $15,000 loan with a rate of 199% over 12 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $5,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
24 Months
36 - 149%
APR
$1390
$1390 was calculated based on a $15,000 loan with a rate of 92.50% over 24 months.
Per Month
Loan Details
Cash in Your Account as Soon as Tomorrow1
Quick Application and Approval in Minutes
Borrow on Your Own Terms2
5-Day Risk-Free Guarantee if you change your mind3
No Prepayment Penalties and No Hidden Fees
This RISECredit.com loan example is based on a monthly payment schedule. Payment schedules will align with your pay frequency as reported on your application.
Loans are offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account (savings and prepaid accounts are not accepted), a job or regular source of income and email address to receive account information. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.
In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may require you to log into your bank account or provide proof of income. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement.
1Applications processed and approved before 6pm ET are typically funded the next business day.
2May be subject to minimum loan amount and loan term restrictions. Please visit www.RISECredit.com for details.
3You have 5 business days from your loan origination date to change your mind. If you decide that the loan isn’t right for you, simply call the toll-free customer service number at 866-580-1226, repay the principal within the 5 business day period and there will be no charges.
In KS, TN and TX, installment loans are originated by Capital Community Bank, a Utah Chartered bank, located in Provo UT, Member FDIC.
In AK, AZ, FL, HI, IN, KY, LA, MI, MN, MT, NE, NV, OH, OK, OR, WA and WY, Installment loans are originated by FinWise Bank, a Utah charted bank, located in Murray, UT, Member FDIC.
Loans are offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account (savings and prepaid accounts are not accepted), a job or regular source of income and email address to receive account information. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.
In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may require you to log into your bank account or provide proof of income. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement.
1Applications processed and approved before 6pm ET are typically funded the next business day.
2May be subject to minimum loan amount and loan term restrictions. Please visit www.RISECredit.com for details.
3You have 5 business days from your loan origination date to change your mind. If you decide that the loan isn’t right for you, simply call the toll-free customer service number at 866-580-1226, repay the principal within the 5 business day period and there will be no charges.
In KS, TN and TX, installment loans are originated by Capital Community Bank, a Utah Chartered bank, located in Provo UT, Member FDIC.
In AK, AZ, FL, HI, IN, KY, LA, MI, MN, MT, NE, NV, OH, OK, OR, WA and WY, Installment loans are originated by FinWise Bank, a Utah charted bank, located in Murray, UT, Member FDIC.
18 Months
160%
APR
$2235
$2235 was calculated based on a $15,000 loan with a rate of 160% over 18 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
48 Months
5.99 - 24.99%
APR
$412
$412 was calculated based on a $15,000 loan with a rate of 14.27% over 48 months.
Per Month
Loan Details
5.99% - 24.99% APR
Pay off high-interest credit card balances and save
Quickly check your rate without affecting your credit score
No prepayment, late, or check-processing fees
Members see an average FICO® Score boost of 40 points when paying down credit card balances
APR (est) includes a discount ranging from .25 - 1.00% based on credit quality, term, and use of loan proceeds. This offer does not constitute a commitment to lend or an offer to extend credit. Upon submitting a loan application, you may be asked to provide additional documents to verify your identity, income, assets, or financial condition. The rate and terms you may be approved for will be shown to you during the application process. Loans subject to an origination fee, which is deducted from the loan proceeds. Refer to full borrower agreement for all terms, conditions and requirements.
12 Months
136%
APR
$2573
$2573 was calculated based on a $15,000 loan with a rate of 160% over 12 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
24 Months
160%
APR
$2104
$2104 was calculated based on a $15,000 loan with a rate of 160% over 24 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
60 Months
7.24 - 21.78%
APR
$353
$353 was calculated based on a $15,000 loan with a rate of 14.51% over 60 months.
Per Month
Loan Details
Personal Loans with low fixed rates
Borrow up to $100,000
No Origination Fees, No Prepayment Penalties, and No Late or Overdraft Fees
Simple online application with live support 7 days a week
Apply Now
Fixed rates from 6.99% APR to 21.78% APR (with all discounts). SoFi rate ranges are current as of 3/15/22 and are subject to change without notice. Not all rates and amounts available in all states. See Personal Loan eligibility details. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, income, and other factors. See APR examples and terms. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account.
24 Months
160%
APR
$2104
$2104 was calculated based on a $15,000 loan with a rate of 160% over 24 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
36 Months
7.95 - 12%
APR
$465
$465 was calculated based on a $15,000 loan with a rate of 7.32% over 36 months.
Per Month
Loan Details
More than $19 billion loans funded
Join America's first personal loan marketplace with over 1 million members
Next Day Funding - In as Little as One Business Day**
Get fixed monthly payments with no prepayment penalties
For example, a three-year $10,000 personal loan would have an interest rate of 11.74% and a 5.00% origination fee for an annual percentage rate (APR) of 15.34% APR. You would receive $9,500 and make 36 scheduled monthly payments of $330.90. A five-year $10,000 personal loan would have an interest rate of 11.99% and a 5.00% origination fee with a 14.27% APR. You would receive $9,500 and make 60 scheduled monthly payments of $222.39. Origination fees vary between 2.41%-5%. Personal loan APRs through Prosper range from 7.95% to 35.99%, with the lowest rates for the most creditworthy borrowers.
Eligibility for personal loans up to $40,000 depends on the information provided by the applicant in the application form. Eligibility for personal loans is not guaranteed, and requires that a sufficient number of investors commit funds to your account and that you meet credit and other conditions. Refer to Borrower Registration Agreement for details and all terms and conditions. All personal loans made by WebBank, Member FDIC.
**You may receive your funds one business day after your acceptance of the loan offer, completion of all necessary verification steps and final approval. One business day funding is also dependent on your bank's ability to quickly process the transaction.
Eligibility for personal loans up to $40,000 depends on the information provided by the applicant in the application form. Eligibility for personal loans is not guaranteed, and requires that a sufficient number of investors commit funds to your account and that you meet credit and other conditions. Refer to Borrower Registration Agreement for details and all terms and conditions. All personal loans made by WebBank, Member FDIC.
**You may receive your funds one business day after your acceptance of the loan offer, completion of all necessary verification steps and final approval. One business day funding is also dependent on your bank's ability to quickly process the transaction.
12 Months
199%
APR
$2956
$2956 was calculated based on a $15,000 loan with a rate of 199% over 12 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $601 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
24 Months
160%
APR
$2104
$2104 was calculated based on a $15,000 loan with a rate of 160% over 24 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
24 Months
160%
APR
$2104
$2104 was calculated based on a $15,000 loan with a rate of 160% over 24 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
12 Months
160%
APR
$2573
$2573 was calculated based on a $15,000 loan with a rate of 160% over 12 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
25 Months
36 - 175%
APR
$1501
$1501 was calculated based on a $15,000 loan with a rate of 105.50% over 25 months.
Per Month
Loan Details
Cash in Your Account as Soon as Tomorrow1
Quick Application and Approval in Minutes
Borrow on Your Own Terms2
5-Day Risk-Free Guarantee if you change your mind3
No Prepayment Penalties and No Hidden Fees
This RISECredit.com loan example is based on a monthly payment schedule. Payment schedules will align with your pay frequency as reported on your application.
Loans are offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account (savings and prepaid accounts are not accepted), a job or regular source of income and email address to receive account information. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.
In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may require you to log into your bank account or provide proof of income. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement.
1Applications processed and approved before 6pm ET are typically funded the next business day.
2May be subject to minimum loan amount and loan term restrictions. Please visit www.RISECredit.com for details.
3You have 5 business days from your loan origination date to change your mind. If you decide that the loan isn’t right for you, simply call the toll-free customer service number at 866-580-1226, repay the principal within the 5 business day period and there will be no charges.
In KS, TN and TX, installment loans are originated by Capital Community Bank, a Utah Chartered bank, located in Provo UT, Member FDIC.
In AK, AZ, FL, HI, IN, KY, LA, MI, MN, MT, NE, NV, OH, OK, OR, WA and WY, Installment loans are originated by FinWise Bank, a Utah charted bank, located in Murray, UT, Member FDIC.
Loans are offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account (savings and prepaid accounts are not accepted), a job or regular source of income and email address to receive account information. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.
In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may require you to log into your bank account or provide proof of income. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement.
1Applications processed and approved before 6pm ET are typically funded the next business day.
2May be subject to minimum loan amount and loan term restrictions. Please visit www.RISECredit.com for details.
3You have 5 business days from your loan origination date to change your mind. If you decide that the loan isn’t right for you, simply call the toll-free customer service number at 866-580-1226, repay the principal within the 5 business day period and there will be no charges.
In KS, TN and TX, installment loans are originated by Capital Community Bank, a Utah Chartered bank, located in Provo UT, Member FDIC.
In AK, AZ, FL, HI, IN, KY, LA, MI, MN, MT, NE, NV, OH, OK, OR, WA and WY, Installment loans are originated by FinWise Bank, a Utah charted bank, located in Murray, UT, Member FDIC.
12 Months
160%
APR
$2573
$2573 was calculated based on a $15,000 loan with a rate of 160% over 12 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
9 Months
160%
APR
$2959
$2959 was calculated based on a $15,000 loan with a rate of 160% over 9 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
12 Months
160%
APR
$2573
$2573 was calculated based on a $15,000 loan with a rate of 160% over 12 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
9 Months
160%
APR
$2959
$2959 was calculated based on a $15,000 loan with a rate of 160% over 9 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
9 Months
160%
APR
$2959
$2959 was calculated based on a $15,000 loan with a rate of 160% over 9 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $5,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
24 Months
36 - 299%
APR
$2189
$2189 was calculated based on a $15,000 loan with a rate of 167.50% over 24 months.
Per Month
Loan Details
Cash in Your Account as Soon as Tomorrow1
Quick Application and Approval in Minutes
Borrow on Your Own Terms2
5-Day Risk-Free Guarantee if you change your mind3
No Prepayment Penalties and No Hidden Fees
This RISECredit.com loan example is based on a monthly payment schedule. Payment schedules will align with your pay frequency as reported on your application.
Loans are offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account (savings and prepaid accounts are not accepted), a job or regular source of income and email address to receive account information. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.
In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may require you to log into your bank account or provide proof of income. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement.
1Applications processed and approved before 6pm ET are typically funded the next business day.
2May be subject to minimum loan amount and loan term restrictions. Please visit www.RISECredit.com for details.
3You have 5 business days from your loan origination date to change your mind. If you decide that the loan isn’t right for you, simply call the toll-free customer service number at 866-580-1226, repay the principal within the 5 business day period and there will be no charges.
In KS, TN and TX, installment loans are originated by Capital Community Bank, a Utah Chartered bank, located in Provo UT, Member FDIC.
In AK, AZ, FL, HI, IN, KY, LA, MI, MN, MT, NE, NV, OH, OK, OR, WA and WY, Installment loans are originated by FinWise Bank, a Utah charted bank, located in Murray, UT, Member FDIC.
Loans are offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account (savings and prepaid accounts are not accepted), a job or regular source of income and email address to receive account information. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.
In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may require you to log into your bank account or provide proof of income. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement.
1Applications processed and approved before 6pm ET are typically funded the next business day.
2May be subject to minimum loan amount and loan term restrictions. Please visit www.RISECredit.com for details.
3You have 5 business days from your loan origination date to change your mind. If you decide that the loan isn’t right for you, simply call the toll-free customer service number at 866-580-1226, repay the principal within the 5 business day period and there will be no charges.
In KS, TN and TX, installment loans are originated by Capital Community Bank, a Utah Chartered bank, located in Provo UT, Member FDIC.
In AK, AZ, FL, HI, IN, KY, LA, MI, MN, MT, NE, NV, OH, OK, OR, WA and WY, Installment loans are originated by FinWise Bank, a Utah charted bank, located in Murray, UT, Member FDIC.
24 Months
160%
APR
$2104
$2104 was calculated based on a $15,000 loan with a rate of 160% over 24 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
18 Months
160%
APR
$2235
$2235 was calculated based on a $15,000 loan with a rate of 160% over 18 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
9 Months
160%
APR
$2959
$2959 was calculated based on a $15,000 loan with a rate of 160% over 9 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
48 Months
18.24 - 29.99%
APR
$462
$462 was calculated based on a $15,000 loan with a rate of 20.74% over 48 months.
Per Month
Loan Details
Fixed-rate loans from $7,500 to $50,000. APRs from 7.99% to 29.99%
Interest rate discounts possible with a co-borrower, direct payment of creditors, or over $40,000 in retirement assets
Loan terms of 2 to 5 years
If you're approved, get money in as little as 48 hours. Loan consultants available via phone at (888) 494-6066.
All loans available through FreedomPlus.com are made by Cross River Bank, a New Jersey State Chartered Commercial Bank or MetaBank® , N.A., Members FDIC, Equal Housing Lenders. All loan and rate terms are subject to eligibility restrictions, application review, credit score, loan amount, loan term, lender approval, and credit usage and history. Terms and conditions apply. Loans are not available to residents of all states--please call a FreedomPlus representative for further details. The following limitations, in addition to others, shall apply: FreedomPlus does not arrange loans in: (i) Arizona under $10,500; (ii) Ohio under $5,500, and (iii) Georgia under $3,500. Repayment periods range from 24 to 60 months. The range of APRs on loans made available through FreedomPlus is 7.99% to a maximum of 29.99%. APR. The APR calculation includes all applicable fees, including the loan origination fee. For Example, a four-year $20,000 loan with an interest rate of 15.49% and corresponding APR of 18.34% would have an estimated monthly payment of $561.60 and a total cost payable of $7,948.13. To qualify for a 7.99% APR loan, a borrower will need excellent credit on a loan for an amount less than $12,000.00, and with a term equal to 24 months. Loan origination fees vary from 1.99% to 4.99%, though most loans will have a loan origination fee of 4.99%. Adding a co-borrower with sufficient income; using at least eighty-five percent (85%) of the loan proceeds to directly pay off qualifying existing debt; or showing proof of sufficient retirement savings, could help you also qualify for the lowest rate available.
12 Months
160%
APR
$2573
$2573 was calculated based on a $15,000 loan with a rate of 160% over 12 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $5,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
12 Months
160%
APR
$2573
$2573 was calculated based on a $15,000 loan with a rate of 160% over 12 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
25 Months
36 - 299%
APR
$2177
$2177 was calculated based on a $15,000 loan with a rate of 167.50% over 25 months.
Per Month
Loan Details
Cash in Your Account as Soon as Tomorrow1
Quick Application and Approval in Minutes
Borrow on Your Own Terms2
5-Day Risk-Free Guarantee if you change your mind3
No Prepayment Penalties and No Hidden Fees
This RISECredit.com loan example is based on a monthly payment schedule. Payment schedules will align with your pay frequency as reported on your application.
Loans are offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account (savings and prepaid accounts are not accepted), a job or regular source of income and email address to receive account information. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.
In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may require you to log into your bank account or provide proof of income. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement.
1Applications processed and approved before 6pm ET are typically funded the next business day.
2May be subject to minimum loan amount and loan term restrictions. Please visit www.RISECredit.com for details.
3You have 5 business days from your loan origination date to change your mind. If you decide that the loan isn’t right for you, simply call the toll-free customer service number at 866-580-1226, repay the principal within the 5 business day period and there will be no charges.
In KS, TN and TX, installment loans are originated by Capital Community Bank, a Utah Chartered bank, located in Provo UT, Member FDIC.
In AK, AZ, FL, HI, IN, KY, LA, MI, MN, MT, NE, NV, OH, OK, OR, WA and WY, Installment loans are originated by FinWise Bank, a Utah charted bank, located in Murray, UT, Member FDIC.
Loans are offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account (savings and prepaid accounts are not accepted), a job or regular source of income and email address to receive account information. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.
In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may require you to log into your bank account or provide proof of income. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement.
1Applications processed and approved before 6pm ET are typically funded the next business day.
2May be subject to minimum loan amount and loan term restrictions. Please visit www.RISECredit.com for details.
3You have 5 business days from your loan origination date to change your mind. If you decide that the loan isn’t right for you, simply call the toll-free customer service number at 866-580-1226, repay the principal within the 5 business day period and there will be no charges.
In KS, TN and TX, installment loans are originated by Capital Community Bank, a Utah Chartered bank, located in Provo UT, Member FDIC.
In AK, AZ, FL, HI, IN, KY, LA, MI, MN, MT, NE, NV, OH, OK, OR, WA and WY, Installment loans are originated by FinWise Bank, a Utah charted bank, located in Murray, UT, Member FDIC.
22 Months
36 - 149%
APR
$1437
$1437 was calculated based on a $15,000 loan with a rate of 92.50% over 22 months.
Per Month
Loan Details
Cash in Your Account as Soon as Tomorrow1
Quick Application and Approval in Minutes
Borrow on Your Own Terms2
5-Day Risk-Free Guarantee if you change your mind3
No Prepayment Penalties and No Hidden Fees
This RISECredit.com loan example is based on a monthly payment schedule. Payment schedules will align with your pay frequency as reported on your application.
Loans are offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account (savings and prepaid accounts are not accepted), a job or regular source of income and email address to receive account information. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.
In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may require you to log into your bank account or provide proof of income. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement.
1Applications processed and approved before 6pm ET are typically funded the next business day.
2May be subject to minimum loan amount and loan term restrictions. Please visit www.RISECredit.com for details.
3You have 5 business days from your loan origination date to change your mind. If you decide that the loan isn’t right for you, simply call the toll-free customer service number at 866-580-1226, repay the principal within the 5 business day period and there will be no charges.
In KS, TN and TX, installment loans are originated by Capital Community Bank, a Utah Chartered bank, located in Provo UT, Member FDIC.
In AK, AZ, FL, HI, IN, KY, LA, MI, MN, MT, NE, NV, OH, OK, OR, WA and WY, Installment loans are originated by FinWise Bank, a Utah charted bank, located in Murray, UT, Member FDIC.
Loans are offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account (savings and prepaid accounts are not accepted), a job or regular source of income and email address to receive account information. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.
In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may require you to log into your bank account or provide proof of income. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement.
1Applications processed and approved before 6pm ET are typically funded the next business day.
2May be subject to minimum loan amount and loan term restrictions. Please visit www.RISECredit.com for details.
3You have 5 business days from your loan origination date to change your mind. If you decide that the loan isn’t right for you, simply call the toll-free customer service number at 866-580-1226, repay the principal within the 5 business day period and there will be no charges.
In KS, TN and TX, installment loans are originated by Capital Community Bank, a Utah Chartered bank, located in Provo UT, Member FDIC.
In AK, AZ, FL, HI, IN, KY, LA, MI, MN, MT, NE, NV, OH, OK, OR, WA and WY, Installment loans are originated by FinWise Bank, a Utah charted bank, located in Murray, UT, Member FDIC.
9 Months
160%
APR
$2959
$2959 was calculated based on a $15,000 loan with a rate of 160% over 9 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $3,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
18 Months
160%
APR
$2235
$2235 was calculated based on a $15,000 loan with a rate of 160% over 18 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
48 Months
18 - 35.99%
APR
$514
$514 was calculated based on a $15,000 loan with a rate of 27.00% over 48 months.
Per Month
Loan Details
Fixed rate and monthly payments
No prepayment fees
Easy online loan application
Over 15 million customers served
A trusted lender for more than 100 years
Personalized service in nearly 1,400 locations
Not all applicants will be approved. Loan approval and actual loan terms depend on your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). If approved, not all applicants will qualify for larger loan amounts or most favorable loan terms. Larger loan amounts require a first lien on a motor vehicle no more than ten years old, that meets our value requirements, titled in your name with valid insurance. Loan approval and actual loan terms depend on your state of residence and your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). APRs are generally higher on loans not secured by a vehicle. Highly-qualified applicants may be offered higher loan amounts and/or lower APRs than those shown above. OneMain charges origination fees. Depending on the state where you open your loan, the origination fee may be either a flat amount or a percentage of your loan amount. Flat fee amounts vary by state, ranging from $25 to $500. Percentage-based fees vary by state ranging from 1% to 10% of your loan amount subject to certain state limits on the fee amount. Loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB's Regulation Z such as college, university or vocational expense; for any business or commercial purpose; to purchase securities; or for gambling or illegal purposes.
Borrowers in these states are subject to these minimum loan sizes: Alabama: $2,100. California: $3,000. Georgia: Unless you are a present customer, $3,100 minimum loan amount. North Dakota: $2,000. Ohio: $2,000. Virginia: $2,600.
Borrowers (other than present customers) in these states are subject to these maximum unsecured loan sizes: North Carolina: $7,500. An unsecured loan is a loan which does not require you to provide collateral (such as a motor vehicle) to the lender.
Borrowers in these states are subject to these minimum loan sizes: Alabama: $2,100. California: $3,000. Georgia: Unless you are a present customer, $3,100 minimum loan amount. North Dakota: $2,000. Ohio: $2,000. Virginia: $2,600.
Borrowers (other than present customers) in these states are subject to these maximum unsecured loan sizes: North Carolina: $7,500. An unsecured loan is a loan which does not require you to provide collateral (such as a motor vehicle) to the lender.
9 Months
199%
APR
$3323
$3323 was calculated based on a $15,000 loan with a rate of 199% over 9 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
18 Months
160%
APR
$2235
$2235 was calculated based on a $15,000 loan with a rate of 160% over 18 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $3,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
9 Months
160%
APR
$2959
$2959 was calculated based on a $15,000 loan with a rate of 160% over 9 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
24 Months
36 - 175%
APR
$1520
$1520 was calculated based on a $15,000 loan with a rate of 105.50% over 24 months.
Per Month
Loan Details
Cash in Your Account as Soon as Tomorrow1
Quick Application and Approval in Minutes
Borrow on Your Own Terms2
5-Day Risk-Free Guarantee if you change your mind3
No Prepayment Penalties and No Hidden Fees
This RISECredit.com loan example is based on a monthly payment schedule. Payment schedules will align with your pay frequency as reported on your application.
Loans are offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account (savings and prepaid accounts are not accepted), a job or regular source of income and email address to receive account information. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.
In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may require you to log into your bank account or provide proof of income. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement.
1Applications processed and approved before 6pm ET are typically funded the next business day.
2May be subject to minimum loan amount and loan term restrictions. Please visit www.RISECredit.com for details.
3You have 5 business days from your loan origination date to change your mind. If you decide that the loan isn’t right for you, simply call the toll-free customer service number at 866-580-1226, repay the principal within the 5 business day period and there will be no charges.
In KS, TN and TX, installment loans are originated by Capital Community Bank, a Utah Chartered bank, located in Provo UT, Member FDIC.
In AK, AZ, FL, HI, IN, KY, LA, MI, MN, MT, NE, NV, OH, OK, OR, WA and WY, Installment loans are originated by FinWise Bank, a Utah charted bank, located in Murray, UT, Member FDIC.
Loans are offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account (savings and prepaid accounts are not accepted), a job or regular source of income and email address to receive account information. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.
In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may require you to log into your bank account or provide proof of income. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement.
1Applications processed and approved before 6pm ET are typically funded the next business day.
2May be subject to minimum loan amount and loan term restrictions. Please visit www.RISECredit.com for details.
3You have 5 business days from your loan origination date to change your mind. If you decide that the loan isn’t right for you, simply call the toll-free customer service number at 866-580-1226, repay the principal within the 5 business day period and there will be no charges.
In KS, TN and TX, installment loans are originated by Capital Community Bank, a Utah Chartered bank, located in Provo UT, Member FDIC.
In AK, AZ, FL, HI, IN, KY, LA, MI, MN, MT, NE, NV, OH, OK, OR, WA and WY, Installment loans are originated by FinWise Bank, a Utah charted bank, located in Murray, UT, Member FDIC.
12 Months
160%
APR
$2573
$2573 was calculated based on a $15,000 loan with a rate of 160% over 12 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
22 Months
36 - 299%
APR
$2219
$2219 was calculated based on a $15,000 loan with a rate of 167.50% over 22 months.
Per Month
Loan Details
Cash in Your Account as Soon as Tomorrow1
Quick Application and Approval in Minutes
Borrow on Your Own Terms2
5-Day Risk-Free Guarantee if you change your mind3
No Prepayment Penalties and No Hidden Fees
This RISECredit.com loan example is based on a monthly payment schedule. Payment schedules will align with your pay frequency as reported on your application.
Loans are offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account (savings and prepaid accounts are not accepted), a job or regular source of income and email address to receive account information. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.
In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may require you to log into your bank account or provide proof of income. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement.
1Applications processed and approved before 6pm ET are typically funded the next business day.
2May be subject to minimum loan amount and loan term restrictions. Please visit www.RISECredit.com for details.
3You have 5 business days from your loan origination date to change your mind. If you decide that the loan isn’t right for you, simply call the toll-free customer service number at 866-580-1226, repay the principal within the 5 business day period and there will be no charges.
In KS, TN and TX, installment loans are originated by Capital Community Bank, a Utah Chartered bank, located in Provo UT, Member FDIC.
In AK, AZ, FL, HI, IN, KY, LA, MI, MN, MT, NE, NV, OH, OK, OR, WA and WY, Installment loans are originated by FinWise Bank, a Utah charted bank, located in Murray, UT, Member FDIC.
Loans are offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account (savings and prepaid accounts are not accepted), a job or regular source of income and email address to receive account information. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.
In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may require you to log into your bank account or provide proof of income. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement.
1Applications processed and approved before 6pm ET are typically funded the next business day.
2May be subject to minimum loan amount and loan term restrictions. Please visit www.RISECredit.com for details.
3You have 5 business days from your loan origination date to change your mind. If you decide that the loan isn’t right for you, simply call the toll-free customer service number at 866-580-1226, repay the principal within the 5 business day period and there will be no charges.
In KS, TN and TX, installment loans are originated by Capital Community Bank, a Utah Chartered bank, located in Provo UT, Member FDIC.
In AK, AZ, FL, HI, IN, KY, LA, MI, MN, MT, NE, NV, OH, OK, OR, WA and WY, Installment loans are originated by FinWise Bank, a Utah charted bank, located in Murray, UT, Member FDIC.
12 Months
160%
APR
$2573
$2573 was calculated based on a $15,000 loan with a rate of 160% over 12 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $501 to $2,5001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
60 Months
18 - 35.99%
APR
$458
$458 was calculated based on a $15,000 loan with a rate of 27.00% over 60 months.
Per Month
Loan Details
Fixed rate and monthly payments
No prepayment fees
Easy online loan application
Over 15 million customers served
A trusted lender for more than 100 years
Personalized service in nearly 1,400 locations
Not all applicants will be approved. Loan approval and actual loan terms depend on your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). If approved, not all applicants will qualify for larger loan amounts or most favorable loan terms. Larger loan amounts require a first lien on a motor vehicle no more than ten years old, that meets our value requirements, titled in your name with valid insurance. Loan approval and actual loan terms depend on your state of residence and your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). APRs are generally higher on loans not secured by a vehicle. Highly-qualified applicants may be offered higher loan amounts and/or lower APRs than those shown above. OneMain charges origination fees. Depending on the state where you open your loan, the origination fee may be either a flat amount or a percentage of your loan amount. Flat fee amounts vary by state, ranging from $25 to $500. Percentage-based fees vary by state ranging from 1% to 10% of your loan amount subject to certain state limits on the fee amount. Loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB's Regulation Z such as college, university or vocational expense; for any business or commercial purpose; to purchase securities; or for gambling or illegal purposes.
Borrowers in these states are subject to these minimum loan sizes: Alabama: $2,100. California: $3,000. Georgia: Unless you are a present customer, $3,100 minimum loan amount. North Dakota: $2,000. Ohio: $2,000. Virginia: $2,600.
Borrowers (other than present customers) in these states are subject to these maximum unsecured loan sizes: North Carolina: $7,500. An unsecured loan is a loan which does not require you to provide collateral (such as a motor vehicle) to the lender.
Borrowers in these states are subject to these minimum loan sizes: Alabama: $2,100. California: $3,000. Georgia: Unless you are a present customer, $3,100 minimum loan amount. North Dakota: $2,000. Ohio: $2,000. Virginia: $2,600.
Borrowers (other than present customers) in these states are subject to these maximum unsecured loan sizes: North Carolina: $7,500. An unsecured loan is a loan which does not require you to provide collateral (such as a motor vehicle) to the lender.
18 Months
36 - 149%
APR
$1568
$1568 was calculated based on a $15,000 loan with a rate of 92.50% over 18 months.
Per Month
Loan Details
Cash in Your Account as Soon as Tomorrow1
Quick Application and Approval in Minutes
Borrow on Your Own Terms2
5-Day Risk-Free Guarantee if you change your mind3
No Prepayment Penalties and No Hidden Fees
This RISECredit.com loan example is based on a monthly payment schedule. Payment schedules will align with your pay frequency as reported on your application.
Loans are offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account (savings and prepaid accounts are not accepted), a job or regular source of income and email address to receive account information. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.
In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may require you to log into your bank account or provide proof of income. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement.
1Applications processed and approved before 6pm ET are typically funded the next business day.
2May be subject to minimum loan amount and loan term restrictions. Please visit www.RISECredit.com for details.
3You have 5 business days from your loan origination date to change your mind. If you decide that the loan isn’t right for you, simply call the toll-free customer service number at 866-580-1226, repay the principal within the 5 business day period and there will be no charges.
In KS, TN and TX, installment loans are originated by Capital Community Bank, a Utah Chartered bank, located in Provo UT, Member FDIC.
In AK, AZ, FL, HI, IN, KY, LA, MI, MN, MT, NE, NV, OH, OK, OR, WA and WY, Installment loans are originated by FinWise Bank, a Utah charted bank, located in Murray, UT, Member FDIC.
Loans are offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account (savings and prepaid accounts are not accepted), a job or regular source of income and email address to receive account information. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.
In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may require you to log into your bank account or provide proof of income. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement.
1Applications processed and approved before 6pm ET are typically funded the next business day.
2May be subject to minimum loan amount and loan term restrictions. Please visit www.RISECredit.com for details.
3You have 5 business days from your loan origination date to change your mind. If you decide that the loan isn’t right for you, simply call the toll-free customer service number at 866-580-1226, repay the principal within the 5 business day period and there will be no charges.
In KS, TN and TX, installment loans are originated by Capital Community Bank, a Utah Chartered bank, located in Provo UT, Member FDIC.
In AK, AZ, FL, HI, IN, KY, LA, MI, MN, MT, NE, NV, OH, OK, OR, WA and WY, Installment loans are originated by FinWise Bank, a Utah charted bank, located in Murray, UT, Member FDIC.
26 Months
36 - 299%
APR
$2166
$2166 was calculated based on a $15,000 loan with a rate of 167.50% over 26 months.
Per Month
Loan Details
Cash in Your Account as Soon as Tomorrow1
Quick Application and Approval in Minutes
Borrow on Your Own Terms2
5-Day Risk-Free Guarantee if you change your mind3
No Prepayment Penalties and No Hidden Fees
This RISECredit.com loan example is based on a monthly payment schedule. Payment schedules will align with your pay frequency as reported on your application.
Loans are offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account (savings and prepaid accounts are not accepted), a job or regular source of income and email address to receive account information. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.
In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may require you to log into your bank account or provide proof of income. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement.
1Applications processed and approved before 6pm ET are typically funded the next business day.
2May be subject to minimum loan amount and loan term restrictions. Please visit www.RISECredit.com for details.
3You have 5 business days from your loan origination date to change your mind. If you decide that the loan isn’t right for you, simply call the toll-free customer service number at 866-580-1226, repay the principal within the 5 business day period and there will be no charges.
In KS, TN and TX, installment loans are originated by Capital Community Bank, a Utah Chartered bank, located in Provo UT, Member FDIC.
In AK, AZ, FL, HI, IN, KY, LA, MI, MN, MT, NE, NV, OH, OK, OR, WA and WY, Installment loans are originated by FinWise Bank, a Utah charted bank, located in Murray, UT, Member FDIC.
Loans are offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account (savings and prepaid accounts are not accepted), a job or regular source of income and email address to receive account information. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.
In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may require you to log into your bank account or provide proof of income. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement.
1Applications processed and approved before 6pm ET are typically funded the next business day.
2May be subject to minimum loan amount and loan term restrictions. Please visit www.RISECredit.com for details.
3You have 5 business days from your loan origination date to change your mind. If you decide that the loan isn’t right for you, simply call the toll-free customer service number at 866-580-1226, repay the principal within the 5 business day period and there will be no charges.
In KS, TN and TX, installment loans are originated by Capital Community Bank, a Utah Chartered bank, located in Provo UT, Member FDIC.
In AK, AZ, FL, HI, IN, KY, LA, MI, MN, MT, NE, NV, OH, OK, OR, WA and WY, Installment loans are originated by FinWise Bank, a Utah charted bank, located in Murray, UT, Member FDIC.
36 Months
18 - 35.99%
APR
$612
$612 was calculated based on a $15,000 loan with a rate of 27.00% over 36 months.
Per Month
Loan Details
Fixed rate and monthly payments
No prepayment fees
Easy online loan application
Over 15 million customers served
A trusted lender for more than 100 years
Personalized service in nearly 1,400 locations
Not all applicants will be approved. Loan approval and actual loan terms depend on your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). If approved, not all applicants will qualify for larger loan amounts or most favorable loan terms. Larger loan amounts require a first lien on a motor vehicle no more than ten years old, that meets our value requirements, titled in your name with valid insurance. Loan approval and actual loan terms depend on your state of residence and your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). APRs are generally higher on loans not secured by a vehicle. Highly-qualified applicants may be offered higher loan amounts and/or lower APRs than those shown above. OneMain charges origination fees. Depending on the state where you open your loan, the origination fee may be either a flat amount or a percentage of your loan amount. Flat fee amounts vary by state, ranging from $25 to $500. Percentage-based fees vary by state ranging from 1% to 10% of your loan amount subject to certain state limits on the fee amount. Loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB's Regulation Z such as college, university or vocational expense; for any business or commercial purpose; to purchase securities; or for gambling or illegal purposes.
Borrowers in these states are subject to these minimum loan sizes: Alabama: $2,100. California: $3,000. Georgia: Unless you are a present customer, $3,100 minimum loan amount. North Dakota: $2,000. Ohio: $2,000. Virginia: $2,600.
Borrowers (other than present customers) in these states are subject to these maximum unsecured loan sizes: North Carolina: $7,500. An unsecured loan is a loan which does not require you to provide collateral (such as a motor vehicle) to the lender.
Borrowers in these states are subject to these minimum loan sizes: Alabama: $2,100. California: $3,000. Georgia: Unless you are a present customer, $3,100 minimum loan amount. North Dakota: $2,000. Ohio: $2,000. Virginia: $2,600.
Borrowers (other than present customers) in these states are subject to these maximum unsecured loan sizes: North Carolina: $7,500. An unsecured loan is a loan which does not require you to provide collateral (such as a motor vehicle) to the lender.
18 Months
160%
APR
$2235
$2235 was calculated based on a $15,000 loan with a rate of 160% over 18 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
36 Months
10.97 - 35.93%
APR
$541
$541 was calculated based on a $15,000 loan with a rate of 17.88% over 36 months.
Per Month
Loan Details
Affordable loans from $1,000 - $40,000 with low fixed rates that will never change, affordable monthly payments, and no prepayment penalties
Quick online application -- get pre-approved in just minutes
Checking your rate won't impact your credit score
Review multiple loan options so you can pick the amount and term that fits your budget and timeline
With automatic payments and a customizable due date, managing your account is easy and you'll be able to circle the date on your calendar when you'll be debt free
Personal loans made through Universal Credit feature APRs of 10.97%-35.93%. All personal loans have a 4.25% to 8% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. For example, if you receive a $10,000 loan with a 36-month term and a 27.65% APR (which includes a 22.99% yearly interest rate and a 6% one-time origination fee), you would receive $9,400 in your account and would have a required monthly payment of $387.05. Over the life of the loan, your payments would total $13,933.62. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early.
26 Months
36 - 149%
APR
$1352
$1352 was calculated based on a $15,000 loan with a rate of 92.50% over 26 months.
Per Month
Loan Details
Cash in Your Account as Soon as Tomorrow1
Quick Application and Approval in Minutes
Borrow on Your Own Terms2
5-Day Risk-Free Guarantee if you change your mind3
No Prepayment Penalties and No Hidden Fees
This RISECredit.com loan example is based on a monthly payment schedule. Payment schedules will align with your pay frequency as reported on your application.
Loans are offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account (savings and prepaid accounts are not accepted), a job or regular source of income and email address to receive account information. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.
In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may require you to log into your bank account or provide proof of income. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement.
1Applications processed and approved before 6pm ET are typically funded the next business day.
2May be subject to minimum loan amount and loan term restrictions. Please visit www.RISECredit.com for details.
3You have 5 business days from your loan origination date to change your mind. If you decide that the loan isn’t right for you, simply call the toll-free customer service number at 866-580-1226, repay the principal within the 5 business day period and there will be no charges.
In KS, TN and TX, installment loans are originated by Capital Community Bank, a Utah Chartered bank, located in Provo UT, Member FDIC.
In AK, AZ, FL, HI, IN, KY, LA, MI, MN, MT, NE, NV, OH, OK, OR, WA and WY, Installment loans are originated by FinWise Bank, a Utah charted bank, located in Murray, UT, Member FDIC.
Loans are offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account (savings and prepaid accounts are not accepted), a job or regular source of income and email address to receive account information. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.
In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may require you to log into your bank account or provide proof of income. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement.
1Applications processed and approved before 6pm ET are typically funded the next business day.
2May be subject to minimum loan amount and loan term restrictions. Please visit www.RISECredit.com for details.
3You have 5 business days from your loan origination date to change your mind. If you decide that the loan isn’t right for you, simply call the toll-free customer service number at 866-580-1226, repay the principal within the 5 business day period and there will be no charges.
In KS, TN and TX, installment loans are originated by Capital Community Bank, a Utah Chartered bank, located in Provo UT, Member FDIC.
In AK, AZ, FL, HI, IN, KY, LA, MI, MN, MT, NE, NV, OH, OK, OR, WA and WY, Installment loans are originated by FinWise Bank, a Utah charted bank, located in Murray, UT, Member FDIC.
18 Months
160%
APR
$2235
$2235 was calculated based on a $15,000 loan with a rate of 160% over 18 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $501 to $2,5001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
12 Months
160%
APR
$2573
$2573 was calculated based on a $15,000 loan with a rate of 160% over 12 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $1,001 to $5,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
60 Months
3.50 - 35.99%
APR
$395
$395 was calculated based on a $15,000 loan with a rate of 19.75% over 60 months.
Per Month
Loan Details
Loan amounts from $1,000 - $50,000
APRs from 3.50% - 35.99% with loan terms of 3 or 5 years
Won't affect your credit score
You can have funds in as fast as 1 day
You are more than your credit score. On Upstart your education and experience help you get the rate you deserve.
Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. Minimum loan amounts vary by state: GA ($3,100), HI ($2,100), MA ($7,000), NM ($5,100), OH ($6,000). If you accept your loan by 5pm EST (not including weekends or holidays), you will receive your funds the next business day. Loans used to fund education related expenses are subject to a 3 business day wait period between loan acceptance and funding in accordance with federal law. When you check your rate, we check your credit report. This initial (soft) inquiry will not affect your credit score. If you accept your rate and proceed with your application, we do another (hard) credit inquiry that will impact your credit score. If you take out a loan, repayment information will be reported to the credit bureaus. Although educational information is collected as part of Upstart's rate check process, neither Upstart nor its bank partners have a minimum educational attainment requirement in order to be eligible for a loan. This offer is conditioned on final approval based on our consideration and verification of financial and non-financial information. Rate and loan amount are subject to change based upon information received in your full application. This offer may be accepted only by the person identified in this offer, who is old enough to legally enter into contract for the extension of credit, a US citizen or permanent resident, and a current resident of the US. Duplicate offers are void. Closing your loan is contingent on your meeting our eligibility requirements, our verification of your information, and your agreement to the terms and conditions on the www.upstart.com website. The full range of available rates varies by state. The average 5-year loan offered across all lenders using the Upstart platform will have an APR of 21.4% and 60 monthly payments of $24.62 per $1,000 borrowed. For example, the total cost of a $10,000 loan would be $14,775 including a $582 origination fee. APR is calculated based on 5-year rates offered in the last 1 month. There is no down payment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.
9 Months
36 - 175%
APR
$2481
$2481 was calculated based on a $15,000 loan with a rate of 105.50% over 9 months.
Per Month
Loan Details
Cash in Your Account as Soon as Tomorrow1
Quick Application and Approval in Minutes
Borrow on Your Own Terms2
5-Day Risk-Free Guarantee if you change your mind3
No Prepayment Penalties and No Hidden Fees
This RISECredit.com loan example is based on a monthly payment schedule. Payment schedules will align with your pay frequency as reported on your application.
Loans are offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account (savings and prepaid accounts are not accepted), a job or regular source of income and email address to receive account information. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.
In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may require you to log into your bank account or provide proof of income. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement.
1Applications processed and approved before 6pm ET are typically funded the next business day.
2May be subject to minimum loan amount and loan term restrictions. Please visit www.RISECredit.com for details.
3You have 5 business days from your loan origination date to change your mind. If you decide that the loan isn’t right for you, simply call the toll-free customer service number at 866-580-1226, repay the principal within the 5 business day period and there will be no charges.
In KS, TN and TX, installment loans are originated by Capital Community Bank, a Utah Chartered bank, located in Provo UT, Member FDIC.
In AK, AZ, FL, HI, IN, KY, LA, MI, MN, MT, NE, NV, OH, OK, OR, WA and WY, Installment loans are originated by FinWise Bank, a Utah charted bank, located in Murray, UT, Member FDIC.
Loans are offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account (savings and prepaid accounts are not accepted), a job or regular source of income and email address to receive account information. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.
In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may require you to log into your bank account or provide proof of income. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement.
1Applications processed and approved before 6pm ET are typically funded the next business day.
2May be subject to minimum loan amount and loan term restrictions. Please visit www.RISECredit.com for details.
3You have 5 business days from your loan origination date to change your mind. If you decide that the loan isn’t right for you, simply call the toll-free customer service number at 866-580-1226, repay the principal within the 5 business day period and there will be no charges.
In KS, TN and TX, installment loans are originated by Capital Community Bank, a Utah Chartered bank, located in Provo UT, Member FDIC.
In AK, AZ, FL, HI, IN, KY, LA, MI, MN, MT, NE, NV, OH, OK, OR, WA and WY, Installment loans are originated by FinWise Bank, a Utah charted bank, located in Murray, UT, Member FDIC.
26 Months
36 - 175%
APR
$1485
$1485 was calculated based on a $15,000 loan with a rate of 105.50% over 26 months.
Per Month
Loan Details
Cash in Your Account as Soon as Tomorrow1
Quick Application and Approval in Minutes
Borrow on Your Own Terms2
5-Day Risk-Free Guarantee if you change your mind3
No Prepayment Penalties and No Hidden Fees
This RISECredit.com loan example is based on a monthly payment schedule. Payment schedules will align with your pay frequency as reported on your application.
Loans are offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account (savings and prepaid accounts are not accepted), a job or regular source of income and email address to receive account information. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.
In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may require you to log into your bank account or provide proof of income. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement.
1Applications processed and approved before 6pm ET are typically funded the next business day.
2May be subject to minimum loan amount and loan term restrictions. Please visit www.RISECredit.com for details.
3You have 5 business days from your loan origination date to change your mind. If you decide that the loan isn’t right for you, simply call the toll-free customer service number at 866-580-1226, repay the principal within the 5 business day period and there will be no charges.
In KS, TN and TX, installment loans are originated by Capital Community Bank, a Utah Chartered bank, located in Provo UT, Member FDIC.
In AK, AZ, FL, HI, IN, KY, LA, MI, MN, MT, NE, NV, OH, OK, OR, WA and WY, Installment loans are originated by FinWise Bank, a Utah charted bank, located in Murray, UT, Member FDIC.
Loans are offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account (savings and prepaid accounts are not accepted), a job or regular source of income and email address to receive account information. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.
In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may require you to log into your bank account or provide proof of income. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement.
1Applications processed and approved before 6pm ET are typically funded the next business day.
2May be subject to minimum loan amount and loan term restrictions. Please visit www.RISECredit.com for details.
3You have 5 business days from your loan origination date to change your mind. If you decide that the loan isn’t right for you, simply call the toll-free customer service number at 866-580-1226, repay the principal within the 5 business day period and there will be no charges.
In KS, TN and TX, installment loans are originated by Capital Community Bank, a Utah Chartered bank, located in Provo UT, Member FDIC.
In AK, AZ, FL, HI, IN, KY, LA, MI, MN, MT, NE, NV, OH, OK, OR, WA and WY, Installment loans are originated by FinWise Bank, a Utah charted bank, located in Murray, UT, Member FDIC.
9 Months
160%
APR
$2959
$2959 was calculated based on a $15,000 loan with a rate of 160% over 9 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
12 Months
160%
APR
$2573
$2573 was calculated based on a $15,000 loan with a rate of 160% over 12 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
9 Months
160%
APR
$2959
$2959 was calculated based on a $15,000 loan with a rate of 160% over 9 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
18 Months
160%
APR
$2235
$2235 was calculated based on a $15,000 loan with a rate of 160% over 18 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $500 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
24 Months
59%
APR
$1078
$1078 was calculated based on a $15,000 loan with a rate of 59% over 24 months.
Per Month
Loan Details
Direct deposit required
Easy application
Get $3,001 to $5,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
9 to 18 months repayment terms
No prepayment fees
Terms and conditions apply. To qualify, a borrower must be: (i) be a U.S. citizen or permanent resident; (ii) 18 years old (19 in AL); (iii) reside in a state where OppLoans operates; (iv) have direct deposit; (v) meet income requirements; and, (vi) meet verification standards. This information is current as of December 31, 2019 and is subject to change. Opportunity Financial reserves the right to modify or discontinue products and benefits at any time without notice.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.
Applications submitted via OppLoans' website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Murray, UT, Member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.
Products not offered in all states. See www.opploans.com/rates-and-terms for more information regarding product availability. This is an expensive form of credit. Financial products offered by Opportunity Financial are designed to help you meet your short-term needs. Individuals with credit difficulties should seek credit counseling before entering into any consumer credit transaction.
1The loan amounts, term, and annual percentage rate (APR) amount of the loan that a customer qualifies for may vary based on credit determination and state law. Loan amounts range from $500 to $4,000* with an APR of 160%. Loan lengths range from 6 to 24 months. Example: A $1,000 loan repayable in 6 monthly payments of $252.48 has an APR of 160%, and would be paid in full after the 6th successful payment. Please refer to "Rates and Terms" at www.opploans.com for additional details.
2Funds are typically deposited via ACH for delivery next business day for applications processed and approved before 7:30 PM ET, Monday-Friday.
3This information is current as of July 10, 2020 and is subject to change. Ratings on third-party websites may periodically change. Please check third-party websites for up-to-date reviews and ratings. Google Rating: 4.9 out of 5 based on 7,915 reviews.
4The application review process may take longer if additional documents are requested. Approval is not guaranteed. Approval and loan terms will vary based on credit determination and state law.