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.
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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.
What people say
T
The Sentinel · 1 review · Experienced 2026-06-05 ·
★★★★★
Tricks of the Finansters
I have had a loan with these people for about 2 years. I have renewed with no issues until now. I renewed on a Friday. The previous loans payment was already scheduled on their end so it processed that night and they went ahead and renewed my loan and deposited the money that day. Well that means the old loan payment got taken out of the new loan same day I got it. I called and there is nothing they can do. Not even Skip a week like they had done in the previous renewals. That pretty shiesty. last renewal
W
WILLIAM M SPICER · 3 reviews · Experienced 2026-06-15 ·
150% interest, payment more than I have coming in, and the first problem was that the loan offer was half of what I requested, which was not enough to do the full job. I did not accept the offer, I think they have no interest in loaning to me.
I was always a good customer, payments on time, paid off, couple different loans and now after several emails and text messages, I’ve updated personal info and work and been DENIED twice in a week, LOYALTY doesn’t matter with them. You have to have Excellent credit to be approved now. And they won’t tell you why, until you get a lame letter a few weeks later in the email. Not fare for loyalty. Will not ever refer someone.
I had a tough spot between taxes and payroll. They helped me out immediately. When a payroll issue occurred months later, their Refinance option came in at the exactly right time! Kept us going through the updated pay day.
From my perspective Opploan is a God send they are there when you need them I highly suggest that if a emergency arise or you just want to take care of some last finished business well opploan is your go to people who are there for you and have your back they are professionals and a great organization to do business with some might think they are a little pricey but you can pay early also something out of the ordinary arises I suggest that you give them a call this company to me works well for what you need without question but give them a try
This year if I am blessed, I’ll be 68 years old.
I am a man who has worked all my life. Last year I unexpectedly fell very sick. After going to the emergency room and then a stay in the hospital. I found that I would need to retire.
It has been hard adjusting to only receiving a once a month income. I was managing okay but after being hit with some unexpected payments I was in a bit of a hole financially.
Coming across Opp loans was a blessing. It was quick, easy, and payback convenient.
I appreciate the easy terms
The amount worked fine. The app isn't too much to navigate. But I only got $300 of my amount, because of my banks processing time. It has been almost a month now, waiting for the rest of the loan to be processed.
OppLoans is quick and easy to apply. If approved funding is ready within a business day. Payment plans that work for you. Easy to navigate payment portal.
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