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OppLoans Reviews 5,576

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TrustScore 4.5 out of 5

4.4

Non-Bank Financial Service
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Review summary

Created with AI, based on recent reviews

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the company for its fast and easy service, with many highlighting the quick deposit of funds and the straightforward application process. The customer service is frequently described as excellent, with representatives being helpful, polite, and professional. Many consumers appreciate the company's reliability and the stress-free experience they provide, especially when in urgent need of financial assistance. However, some customers expressed dissatisfaction with the interest rates, describing them as high. A few people also mentioned issues with payment schedules and the allocation of payments, noting that a significant portion goes towards interest. There were also occasional reports of delayed deposits and difficulties with refinancing or receiving refunds for overpayments.

What people talk about most

Payment

Users describe ambiguous interactions with payment. Many customers praise the easy and fast application... See more

Service

Reviewers mention positive feedback about service. Customers consistently praise the fast, efficient, and... See more

User experience

Clients share positive opinions on user experience, consistently highlighting the ease and speed of the... See more

Customer service

Consumers find customer service to be positive. Many reviewers praise the helpfulness and professionalism of... See more

Price

Customers had ambiguous experiences with price. Many reviewers expressed frustration with high interest... 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 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

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

Fast service with funds deposited quickly with no extra fee. Reasonable interest rates especially since my credit score is so low right now. Opploans made it possible for my stage 4 mbc wife to finish... 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

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Hasn’t replied to negative reviews

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Rated 1 out of 5 stars

I made a double payment on accident and…

I made a double payment on accident and I paid my
Loan off within 2 weeks. I called to get my refund for my double payment they telling me they don’t do refunds plus due to the interest and fees they only owe me 11 dollars. I don’t recommend taking a loan out with them.

February 24, 2026
Unprompted review
Rated 1 out of 5 stars

Beware of the “under review”

They put you through the wringer for a small amount of money. First the process is pretty seamless to start, they use Plaid to validate the bank account. Then it goes to a review where they ask for check stubs, why? My bank account shows plenty of cash going and out. I’m like fine, I will play their game and I uploaded as proof. So the bank I used doesn’t have my full deposit going there. Then they have the nerve to say I have to use my primary bank. The bank I used is my primary bank and if you would have properly reviewed it they would have noticed that there are plenty of transactions going in and out.

I’m not going through hoops with this company.

February 22, 2026
Unprompted review
Rated 5 out of 5 stars

OppLoans has been a life saver and a…

OppLoans has been a life saver and a credit help. They were had excellent service and communication. Things went smooth and quick. They email and make sure all needs are meet. Great when things are going crazy in life.

February 9, 2026
Unprompted review

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