Personal loans
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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
6 to 24 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
6 to 24 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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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
6 to 24 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
6.94 - 35.97%
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 - $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 6.94%-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/.
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
6 to 24 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
6 to 24 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 - 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 Community Capital 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 Community Capital 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 - 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 Community Capital 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 Community Capital 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
6 to 24 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
6 to 24 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
6 to 24 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
6 to 24 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
6 to 24 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
8 - 25%
APR
$412
$412 was calculated based on a $15,000 loan with a rate of 14.27% over 48 months.
Per Month
Loan Details
8% - 25% 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 balances1
This does not constitute an actual commitment to lend or an offer to extend credit. Upon submitting a loan application, you may be asked to provide additional documents to enable us to verify your income, assets, and financial condition. Your interest rate and terms for which you are approved will be shown to you as part of the online application process. Most applicants will receive a variety of loan offerings to choose from, with varying loan amounts and interest rates. Borrower subject to a loan origination fee, which is deducted from the loan proceeds. Refer to full borrower agreement for all terms, conditions and requirements.
1Based upon a study of Payoff Members between February 2020 to August 2020, Payoff Members who paid off at least $5,000 in credit card balances saw an average increase in their FICO® score of 40 points within two months of receiving a Payoff® Loan. Individual results may vary.
1Based upon a study of Payoff Members between February 2020 to August 2020, Payoff Members who paid off at least $5,000 in credit card balances saw an average increase in their FICO® score of 40 points within two months of receiving a Payoff® Loan. Individual results may vary.
24 Months
5.99 - 20.23%
APR
$704
$704 was calculated based on a $15,000 loan with a rate of 11.73% 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 5.990% APR to 20.686% APR (with AutoPay). SoFi rate ranges are current as of 2021-02-18 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. If approved for a loan, to qualify for the lowest rate, you must have a responsible financial history and meet other conditions. 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 0.250% 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. See APR examples and terms: https://www.sofi.com/personal-loans/personal-loan-rates/
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 Community Capital 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 Community Capital 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
6 to 24 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
6 to 24 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
6 to 24 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
6 to 24 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 Community Capital 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 Community Capital 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
136%
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
6 to 24 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
6 to 24 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
6 to 24 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 $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
6 to 24 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
6 to 24 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
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.
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 6.94%-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/.
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
640 minimum FICO® Score
More than $16 billion loans funded
Consolidate debt, finance a home improvement project, or pay off medical expenses
9 out of 10 customers would recommend Prosper to friends or family**
Co-borrower option available. Applying with a co-borrower could help improve your rates.
Get your money in as few as 3 days - your monthly payment stays the same
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.
**Based on responses from randomly selected borrowers in good standing who received a loan from 01/01/2016 - 11/20/2016. Survey conducted was of a statistically significant sample size with a 95% confidence level and a 3.94% margin of error.
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.
**Based on responses from randomly selected borrowers in good standing who received a loan from 01/01/2016 - 11/20/2016. Survey conducted was of a statistically significant sample size with a 95% confidence level and a 3.94% margin of error.
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
6 to 24 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
6 to 24 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 1,600 locations
Not all applicants will qualify for larger loan amounts or most favorable loan terms. 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). 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. Maximum annual percentage rate (APR) is 35.99%, subject to state restrictions. APRs are generally higher on loans not secured by a vehicle. 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 $300. Percentage-based fees vary by state ranging from 1% to 10% of your loan amount subject to certain state limits on the fee amount. Active duty military, their spouse or dependents covered under the Military Lending Act may not pledge any vehicle as collateral for a loan. OneMain loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB's Regulation Z, such as college, university or vocational expenses; 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. Ohio: $2,000. Virginia: $2,600.
Borrowers (other than present customers) in these states are subject to these maximum unsecured loan sizes: Iowa: $8,500. Maine: $7,000. Mississippi: $7,500. North Carolina: $7,500. New York: $20,000.West Virginia: $14,000. 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. Ohio: $2,000. Virginia: $2,600.
Borrowers (other than present customers) in these states are subject to these maximum unsecured loan sizes: Iowa: $8,500. Maine: $7,000. Mississippi: $7,500. North Carolina: $7,500. New York: $20,000.West Virginia: $14,000. An unsecured loan is a loan which does not require you to provide collateral (such as a motor vehicle) to the lender.
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
6 to 24 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
640 minimum FICO® Score
More than $16 billion loans funded
Consolidate debt, finance a home improvement project, or pay off medical expenses
9 out of 10 customers would recommend Prosper to friends or family**
Co-borrower option available. Applying with a co-borrower could help improve your rates.
Get your money in as few as 3 days - your monthly payment stays the same
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.
**Based on responses from randomly selected borrowers in good standing who received a loan from 01/01/2016 - 11/20/2016. Survey conducted was of a statistically significant sample size with a 95% confidence level and a 3.94% margin of error.
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.
**Based on responses from randomly selected borrowers in good standing who received a loan from 01/01/2016 - 11/20/2016. Survey conducted was of a statistically significant sample size with a 95% confidence level and a 3.94% margin of error.
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
6 to 24 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
6 to 24 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.
9 Months
99%
APR
$2426
$2426 was calculated based on a $15,000 loan with a rate of 99% 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
6 to 24 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
6 to 24 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
6 to 24 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 Community Capital 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 Community Capital 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
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
6 to 24 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
6 to 24 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
6 to 24 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
6 to 24 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
6 to 24 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
6 to 24 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
8 - 25%
APR
$351
$351 was calculated based on a $15,000 loan with a rate of 14.27% over 60 months.
Per Month
Loan Details
8% - 25% 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 balances1
This does not constitute an actual commitment to lend or an offer to extend credit. Upon submitting a loan application, you may be asked to provide additional documents to enable us to verify your income, assets, and financial condition. Your interest rate and terms for which you are approved will be shown to you as part of the online application process. Most applicants will receive a variety of loan offerings to choose from, with varying loan amounts and interest rates. Borrower subject to a loan origination fee, which is deducted from the loan proceeds. Refer to full borrower agreement for all terms, conditions and requirements.
1Based upon a study of Payoff Members between February 2020 to August 2020, Payoff Members who paid off at least $5,000 in credit card balances saw an average increase in their FICO® score of 40 points within two months of receiving a Payoff® Loan. Individual results may vary.
1Based upon a study of Payoff Members between February 2020 to August 2020, Payoff Members who paid off at least $5,000 in credit card balances saw an average increase in their FICO® score of 40 points within two months of receiving a Payoff® Loan. Individual results may vary.
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
6 to 24 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
6 to 24 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 Community Capital 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 Community Capital 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
6 to 24 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
6 to 24 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 Community Capital 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 Community Capital 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
6 to 24 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
7.33 - 16.99%
APR
$506
$506 was calculated based on a $15,000 loan with a rate of 13.05% 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 5.990% APR to 20.686% APR (with AutoPay). SoFi rate ranges are current as of 2021-02-18 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. If approved for a loan, to qualify for the lowest rate, you must have a responsible financial history and meet other conditions. 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 0.250% 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. See APR examples and terms: https://www.sofi.com/personal-loans/personal-loan-rates/
6 Months
199%
APR
$4134
$4134 was calculated based on a $15,000 loan with a rate of 199% over 6 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
6 to 24 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
6 to 24 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
6 to 24 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
6 to 24 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
6 to 24 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
8.94 - 35.99%
APR
$418
$418 was calculated based on a $15,000 loan with a rate of 22.47% over 60 months.
Per Month
Loan Details
Loan amounts from $1,000 - $50,000
APRs from 8.94% - 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. The minimum loan amount in MA is $7,000. The minimum loan amount in Ohio is $6,000. The minimum loan amount in NM is $5,100. The minimum loan amount in GA is $3,100. If you accept your loan by 5pm EST (not including weekends or holidays), loan funds will be sent to your designated bank account on the next business day, provided that such funds are not being used to directly pay off credit cards. 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 received 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 3-year loan offered across all lenders using the Upstart platform will have an APR of 24.53% and 36 monthly payments of $36 per $1,000 borrowed. There is no down payment and no prepayment penalty. Average APR is calculated based on 3-year rates offered in the last 1 month. 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.
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
6 to 24 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
6 to 24 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 - 299%
APR
$2314
$2314 was calculated based on a $15,000 loan with a rate of 167.50% 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 Community Capital 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 Community Capital 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
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
6 to 24 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 - 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 Community Capital 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 Community Capital 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
15.49 - 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
Personal loans from $2,000 to $25,000
Rates from 15.49% to 35.99% APR with no prepayment penalties
Check your rate for free without impacting your credit score
Qualified customers receive offers in three simple steps, and funds in as little as 24 hours if approved
Simple and Secure - quick online application
LendingPoint's customer success representatives are available online or by phone 24/7, just call 888-969-0959
Terms from 24 - 60 months
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 LendingPoint's final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. LendingPoint makes loan offers from $2,000 to $25,000, at rates ranging from a low of 15.49% APR to a high of 35.99% APR, with terms from 24 to 60 months. We offer monthly and bi-monthly pay schedules.
72 Months
9.78 - 17.22%
APR
$297
$297 was calculated based on a $15,000 loan with a rate of 12.50% 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 5.990% APR to 20.686% APR (with AutoPay). SoFi rate ranges are current as of 2021-02-18 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. If approved for a loan, to qualify for the lowest rate, you must have a responsible financial history and meet other conditions. 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 0.250% 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. See APR examples and terms: https://www.sofi.com/personal-loans/personal-loan-rates/
12 Months
99%
APR
$2016
$2016 was calculated based on a $15,000 loan with a rate of 99% 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
6 to 24 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
6 to 24 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
6 to 24 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
6 to 24 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
6 to 24 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
6 to 24 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
6 to 24 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
6 to 24 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
6 to 24 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 - 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 Community Capital 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 Community Capital 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
6 to 24 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
9.95 - 35.99%
APR
$481
$481 was calculated based on a $15,000 loan with a rate of 22.97% over 48 months.
Per Month
Loan Details
Personal loans from $2,000 to $35,0001 entirely online
Checking your loan options will not affect your credit score
Funding as soon as next business day2
No collateral needed and customer support available 7 days a week
Avant branded credit products are issued by WebBank, Member FDIC.
If approved, the presented rates and terms on this site are subject to change based on verification of the information provided and other factors such as your creditworthiness and outstanding debt.
Example: A $5,700 loan with an administration fee of 4.75% and an amount financed of $5,429.25, repayable in 36 monthly installments, would have an APR of 29.95% and monthly payments of $230.33.
1If approved, the actual loan terms that a customer qualifies for may vary based on credit determination, state law, and other factors. Minimum loan amounts vary by state.
2Funds are generally deposited via ACH for delivery next business day if approved by 4:30pm CT Monday-Friday.
If approved, the presented rates and terms on this site are subject to change based on verification of the information provided and other factors such as your creditworthiness and outstanding debt.
Example: A $5,700 loan with an administration fee of 4.75% and an amount financed of $5,429.25, repayable in 36 monthly installments, would have an APR of 29.95% and monthly payments of $230.33.
1If approved, the actual loan terms that a customer qualifies for may vary based on credit determination, state law, and other factors. Minimum loan amounts vary by state.
2Funds are generally deposited via ACH for delivery next business day if approved by 4:30pm CT Monday-Friday.
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
6 to 24 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 $3,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
6 to 24 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
8.03 - 18.31%
APR
$411
$411 was calculated based on a $15,000 loan with a rate of 14.12% 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 5.990% APR to 20.686% APR (with AutoPay). SoFi rate ranges are current as of 2021-02-18 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. If approved for a loan, to qualify for the lowest rate, you must have a responsible financial history and meet other conditions. 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 0.250% 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. See APR examples and terms: https://www.sofi.com/personal-loans/personal-loan-rates/
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
6 to 24 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 - 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 Community Capital 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 Community Capital 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
6 to 24 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 $601 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
6 to 24 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
6 to 24 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 $3,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
6 to 24 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
59%
APR
$1275
$1275 was calculated based on a $15,000 loan with a rate of 59% over 18 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
6 to 24 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 Community Capital 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 Community Capital 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
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 Community Capital 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 Community Capital 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
6 to 24 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
6 to 24 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
6 to 24 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 $501 to $2,5001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
6 to 24 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 1,600 locations
Not all applicants will qualify for larger loan amounts or most favorable loan terms. 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). 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. Maximum annual percentage rate (APR) is 35.99%, subject to state restrictions. APRs are generally higher on loans not secured by a vehicle. 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 $300. Percentage-based fees vary by state ranging from 1% to 10% of your loan amount subject to certain state limits on the fee amount. Active duty military, their spouse or dependents covered under the Military Lending Act may not pledge any vehicle as collateral for a loan. OneMain loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB's Regulation Z, such as college, university or vocational expenses; 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. Ohio: $2,000. Virginia: $2,600.
Borrowers (other than present customers) in these states are subject to these maximum unsecured loan sizes: Iowa: $8,500. Maine: $7,000. Mississippi: $7,500. North Carolina: $7,500. New York: $20,000.West Virginia: $14,000. 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. Ohio: $2,000. Virginia: $2,600.
Borrowers (other than present customers) in these states are subject to these maximum unsecured loan sizes: Iowa: $8,500. Maine: $7,000. Mississippi: $7,500. North Carolina: $7,500. New York: $20,000.West Virginia: $14,000. An unsecured loan is a loan which does not require you to provide collateral (such as a motor vehicle) to the lender.
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
6 to 24 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
18.28 - 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.
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 $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
6 to 24 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 $5,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
6 to 24 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
6 to 24 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
6 to 24 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
6 to 24 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 - 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 Community Capital 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 Community Capital 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
6 to 24 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
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
6 to 24 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.
84 Months
10.94 - 18.82%
APR
$276
$276 was calculated based on a $15,000 loan with a rate of 13.34% over 84 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 5.990% APR to 20.686% APR (with AutoPay). SoFi rate ranges are current as of 2021-02-18 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. If approved for a loan, to qualify for the lowest rate, you must have a responsible financial history and meet other conditions. 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 0.250% 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. See APR examples and terms: https://www.sofi.com/personal-loans/personal-loan-rates/
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
6 to 24 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
6 to 24 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 Community Capital 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 Community Capital 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
6 to 24 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 $3,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
6 to 24 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
6 to 24 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
99%
APR
$1628
$1628 was calculated based on a $15,000 loan with a rate of 99% 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
6 to 24 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
6 to 24 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
6 to 24 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
136%
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
6 to 24 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 $601 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
6 to 24 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
6 to 24 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
6 to 24 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 - 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 Community Capital 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 Community Capital 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
6 to 24 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.
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 Community Capital 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 Community Capital 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 1,600 locations
Not all applicants will qualify for larger loan amounts or most favorable loan terms. 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). 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. Maximum annual percentage rate (APR) is 35.99%, subject to state restrictions. APRs are generally higher on loans not secured by a vehicle. 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 $300. Percentage-based fees vary by state ranging from 1% to 10% of your loan amount subject to certain state limits on the fee amount. Active duty military, their spouse or dependents covered under the Military Lending Act may not pledge any vehicle as collateral for a loan. OneMain loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB's Regulation Z, such as college, university or vocational expenses; 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. Ohio: $2,000. Virginia: $2,600.
Borrowers (other than present customers) in these states are subject to these maximum unsecured loan sizes: Iowa: $8,500. Maine: $7,000. Mississippi: $7,500. North Carolina: $7,500. New York: $20,000.West Virginia: $14,000. 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. Ohio: $2,000. Virginia: $2,600.
Borrowers (other than present customers) in these states are subject to these maximum unsecured loan sizes: Iowa: $8,500. Maine: $7,000. Mississippi: $7,500. North Carolina: $7,500. New York: $20,000.West Virginia: $14,000. 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
6 to 24 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
6 to 24 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
15.49 - 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
Personal loans from $2,000 to $25,000
Rates from 15.49% to 35.99% APR with no prepayment penalties
Check your rate for free without impacting your credit score
Qualified customers receive offers in three simple steps, and funds in as little as 24 hours if approved
Simple and Secure - quick online application
LendingPoint's customer success representatives are available online or by phone 24/7, just call 888-969-0959
Terms from 24 - 60 months
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 LendingPoint's final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. LendingPoint makes loan offers from $2,000 to $25,000, at rates ranging from a low of 15.49% APR to a high of 35.99% APR, with terms from 24 to 60 months. We offer monthly and bi-monthly pay schedules.
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
6 to 24 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 $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
6 to 24 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
6 to 24 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
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 $601 to $4,0001
Upon approval, funds as soon as the next business day2
Customers rate us 4.9/5 on Google3
Quick decision4
6 to 24 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
6 to 24 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