OppLoans logo
Visit website

OppLoans Reviews 5,581

•
TrustScore 4.5 out of 5

4.4

Non-Bank Financial Service
Write a reviewVisit website
Write a review

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

Review summary

Created with AI, based on recent reviews

Considering 569 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently praise the company for its excellent service and positive user experience, highlighting the ease and speed of the loan application process and funding. Many appreciate the helpful and polite customer service representatives who make the process smooth and stress-free. However, some people mentioned dissatisfaction with the payment and pricing aspects, specifically noting high interest rates and concerns about how payments are allocated, with a significant portion going towards interest rather than the principal. A few other people also felt that the refinancing process could be problematic, with some experiencing long delays and eventual denials despite a good payment history.

What people talk about most

Payment

Customers had ambiguous experiences with payment. While some reviewers praised the fast application process,... See more

Service

People report positive experiences with service, often highlighting its speed and efficiency. Many customers... See more

Customer service

Reviewers mention positive feedback about customer service, highlighting their helpfulness, professionalism,... See more

User experience

Consumers find the user experience to be positive, highlighting a very simple, easy, and straightforward... See more

Price

Reviewers highlight ambiguous aspects of price. Many customers express frustration with high interest rates,... See more

Reviews shaping this summary

Rated 4 out of 5 stars

OppLoans has helped us on several occasions when we were out of options. Yes the APR is high, but we have always found a way to pay the account off ahead of time, saving money. The only issue I have w... See more

Rated 4 out of 5 stars

The experience was overall good. The 2nd part of my ID was a bit tricky. Wirking with OPP has been good. They make sure I know when it's refinancing time. I do appreciate this company's help with help... See more

Rated 5 out of 5 stars

The whole entire process was very quick, yet they still made sure they did their due diligence to make sure I was eligible to receive a loan and they even offered me a loan for twice as much as what I... See more

Rated 5 out of 5 stars

Best loan company makes it happens quick! Understandable and realistic reliable! Best option is fully payoff the loan asap as anyone can or stay with a installment payment plan that helps keep ur loan... See more

Company details

  1. Non-Bank Financial Service
  2. Financial Consultant

Written by the company

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.

Contact info

4.4

Excellent

TrustScore 4.5 out of 5

6K reviews

5-star
4-star
3-star
2-star
1-star

Hasn’t replied to negative reviews

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more
Rated 1 out of 5 stars

BEWARE of OppLoans

OppLoans (OppFi) claims to be there for hard-working, poor credit folks, but here's what you'll really get - interest rates way over your state's legal limits, and you'll probably pay back more than 3x what you borrowed. BEWARE. They're using sketchy "rent-a-bank" schemes to dodge state laws - they even admitted in their own SEC filings that these loans "may be unenforceable" if challenged. They already had to pay D.C. $1.5M for this exact scam. If you've already been an OppLoans victim, PLEASE consider filing complaints with the CFPB (consumerfinance .gov/complaint) and your state Attorney General. The more of us who report them, the harder it gets for them to keep doing this. Don't let them profit off people who are already struggling.

October 1, 2025
Unprompted review
Rated 5 out of 5 stars

5 Star Experience

I had a great experience working with the loan company. The loan process is easy and the approval is quick. I would highly recommend them to anyone in need of a quick loan.

December 25, 2025
Unprompted review
Rated 5 out of 5 stars

I was surprised I did the application…

I was surprised I did the application on a Saturday and being the holiday. Wasn't sure how this was going to work by Tuesday morning. It was in my account. I was very pleased with this. Happy that I was able to get a small loan to help me through. Highly recommend

December 27, 2025
Unprompted review
Rated 1 out of 5 stars

Interest rates are tremendous

Received a loan because I was in dire need but the interest rates are ridiculous. They are just predators on the poor and needy. This should be a crime in all reality. These people should be in jail a 250% interest rate compounded daily think about that one. They have to be located in the state of Utah that big bad Mormon church using its money to make money. Most of these criminals should be in jail. I grew up in Chicago and watched a lot of people go to jail because of loan sharking but I guess it's now legal if you live in state of Utah. My loan is almost paid for I have a few months to go going to pay off early to get out of the interest I have left will never use these people again.

May 5, 2025
Unprompted review
Rated 1 out of 5 stars

Don't use OppLoans!!!

Upon reading the small print I learned I would be charged my first payment on the first of January, 9 days after obtaining a 3600 dollar loan. That's bad business, especially for a repeat customer. I am very displeased with this issue and will be sure to not recommend your company for a loan. Shame on you!

December 22, 2025
Unprompted review
Rated 5 out of 5 stars

It's very awesome for me with them

It's very awesome for me with them. They helped me smooth out my loan process, and my credit score improved slightly. I have a direct deposit scheduled for the next day or two days, and I have no problems in my third year in a row. I make it cheerful myself

December 22, 2025
Unprompted review

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.

Learn more about other kinds of reviews.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look