OppFi is a leading tech-enabled digital finance platform that works with banks to provide financial products and services for everyday Americans. Through a transparent and responsible platform, which includes financial inclusion and excellent customer experience, the Company supports consumers who are turned away by mainstream options to build better financial health.
Written by the business, not verified by us.
Is OppLoans legit?
OppLoans (opploans.com) has a 4.2 out of 5 rating on OK.one, based on 187 user reviews collected here. It is listed under Money & Insurance and its reputation is good. 80% of reviews are 4 stars or higher and 15% are 1 star; The business has not yet replied to negative reviews; Reviews mostly discuss Customer service, User experience, Price. Last updated 2026-09-01.
What reviewers say
AI generated
Reviewers overwhelmingly had a great experience with this company. Customers frequently praise the extremely quick approval process and fast funding into bank accounts, noting that the customer service team is always exceptionally helpful and polite during all interactions. People also appreciate the straightforward application steps and find the provided financial assistance remarkably reliable when dealing with unexpected life emergencies.
However, some people mentioned that the interest rates and overall finance charges associated with borrowing money are quite steep. A few other consumers also felt that the strict repayment terms or specific loan offers can sometimes be quite difficult to handle.
Auto-generated from all reviews of this business. For reference only.
Avoid! They should be ashamed of themselves as they take advantage of people who are struggling in this poor economy.
They offered me a $2,000 loan at 179% interest.
$91 per week for 40 weeks. Companies like this shouldn't be allowed to hurt people like this. Obviously I didn't accept the loan but I'm putting this review out there to hopefully keep people from taking a loan offer like this.
There are better, more reputable companies out there that are willing help people with a fair interest rate unlike OPPLOANS. What a joke of a company.
I paid off my 752 dollar loan in full I checked my account after and saw they charged me twice for it. I called customer service to try to resolve it and he said there’s nothing I can do to help. Do not use opp loans, just get in contact with your local credit union
Excellent fast service. No stress at all. Completed the application in about 25 minutes, fast approval & money deposited in my account at the end of the day. I highly recommend this company.
I’ve been in search for a loan for personal reasons and I just came across this Opploans . It was very smooth transaction . Got my loan in 3 days I was surprised gave me more than the amount I’m expecting. Thank you so much .
J
Josie Smith · 2 reviews · Experienced 2026-08-05 ·
★★★★★
Terrible
Terrible! OppLoans has extreme high interest rates, and it takes forever to pay the loan off. It's not worth it! Don't do it!! Go to a credit union or your bank!!
K
Kevin Jackson · 1 review · Experienced 2026-02-08 ·
★★★★★
STAY AWAY!!!
You KNOW a loan company is bad when you INTENTIONALLY allow it to go into collections just to get it paid off! This is one of those "daily compounding interest loans" where they charge an extremely high amount of interest on a daily basis. A payment of $124.00 will only contribute a few dollars towards your principal. Don't even think of being late! The longer you go without a payment, the more behind in interest you will be. I made a 6 consecutive payments and only about $26 total went to the actual balance......TOTAL BETWEEN SIX PAYMENTS! These types of loans should be ILLEGAL!!! I'm on a payment plan with a collection company that bought my loan which is interest free and way easier to pay! Did it cause a negative credit hit? Unfortunately yes. But at least the loan will be paid off under these creditors. If I didn't intentionally let it fall into collections, I would STILL be making payments and would have only paid about $50 towards the principal after 2 years of payments! It's easy to qualify and get a loan thru Opps, but the juice just isn't worth the squeeze!! The type of companies are CLEARLY taking advantage of people who are in unfortunate situations.....
J
Jerry Shifflett · 5 reviews · Experienced 2026-08-06 ·
★★★★★
Man I ready didn’t expect a loan with…
Man I ready didn’t expect a loan with my credit but I got a 1,600 loan and it will help a lot. Thank you opploan…
L
Letha · 1 review · Experienced 2026-08-03 ·
★★★★★
This company always helps me out when I…
This company always helps me out when I need them. The process is fast and smooth. Love doing business with them.
Applied and had the loan the next day! My credit was pretty low as well and they still helped!!!
J
Juan · 5 reviews · Experienced 2026-08-04 ·
★★★★★
Excellent customer!
Excellent customer!! Always thinking about the customer and always helping me refinance my loan.
S
Stephen G. Barr · 34 reviews · Experienced 2026-08-04 ·
★★★★★
Referred through Money Tree
Referred through Money Tree, and all they both are are referral affiliates selling your financial information to predatory lenders with rates as high as 195% who will hound you daily via email and sms. Avoid
M
Marco Elejalde · 7 reviews · Experienced 2026-07-31 ·
★★★★★
Fast
Fast, easy, and great customer service.
D
Dan Collings · 1 review · Experienced 2026-08-03 ·
★★★★★
Quick and easy i needed my loan asap…
Quick and easy i needed my loan asap and they came through with no hassle. I really appreciated. Thank You
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