OppLoans

OppLoans
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Apply for an installment loan from Opploans if you need funding fast when you need it. According to OppLoans website, they have served over 300,000 customers which is a BIG NUMBER! This is impressive.

They offer quick approvals, with a completely online easy loan application.

Their biggest selling point is their rates

Most payday loans have an APR of 400%, in contrast OppLoans has a maximum APR of 199%, which makes them much more affordable than a traditional payday loan.

Moreover, they have a fast funding process. Once you’re approved, OppLoans gives you the funding in your account as soon as the next day. They provide immense personal service you simply won’t find elsewhere.

To quote their website, “We treat customers like family,” – this statement says a lot about their philosophy.

The great thing about OppLoans is that it’s a great affordable personal loan option to help build your credit history. Apply doesn’t impact your FICO Credit score which is super helpful if your credit score is already damaged and needs assistance.

OppLoans is a cheaper and safer lending alternative

According to the Consumer Federation of America, paydayloan have an APR of 400%. This is massive! The maximum APR for a loan offered by OppLoans is 199%.

OppLoans 

Minimum Credit Score: None

Est. APR: 59 – 199%

Loan Amount: $500 – $3000

Pros of OppLoans

No credit required

Fast funding

Flexible payment repayment options

Installment Loans from OppLoans

Loans should be considered a last resort. OppLoans makes short term installment loans with no credit check. The company is a fast, and affordable alternative to payday loans and title loans. The rates of their loans are lower than payday loans, but they’re still expensive.

Typically, OppLoans has no minimum credit score requirement, and requires a monthly gross income of $1500. You must be employed, or have other benefits, in addition to having a bank account in your name with at least 40 days of history. You should also be receiving your paychecks through direct deposit. Moreover, you must live in one of the states that OppLoans serves.

Some great features

OppLoans also offers refinancing after you establish a track record of on-time payments. Moreover, the payment date can be changed online. One of the great things about OppLoans is they offer financial education content to make sure consumers know what they’re signing up for. This transparency is amazing, and super critical.

Build credit with them

OppLoans reports payments to Equifax, Experian, and TransUnion, which means successfully repaying the loan establishes good credit for you.

Loan Example

The average customer of OppLoans has a credit score of 560-600, and makes under $50,000 a year and borrows $1,400 at an APR of 140% according to the company. If the borrower has poor credit, a $1400 OppLoans installment loan with a term of 5 months would result in monthly payments of $385, with total interest of $526, resulting in the final payback being $1926.

The great thing about OppLoans is they don’t check your credit score so it results in virtually anyone getting approved for an installment loan.

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