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Opploans.com Review: Lender from Chicago with Great Amount of Positive Feedback

Self-Introduction of Opp Loans

logoOpp Loans is an online lender located in Chicago, Il. When surfing this website we come across with the problem with information absence relating to min. and max. loan amount but on the Internet, we have discovered this online lender offers installment loans for up to $ 5 000. This Opp Loans Lender is accreditated by BBB (Better Business Bureau) having status A+. Moreover, this organization takes #219 in Inc. 5000 as a lender providing loans fast and of low-interest rates. This lender has achieved the rating in different nominations – here is the link for you to estimate its reliability – https://www.inc.com/profile/opploans.


OppLoans has a license to work in 18 states providing clients with installment loans and line of credit. Jared Kaplan is Co-Founder and former Executive Vice President at Insureon. Accretive LLC. Goldman, Sachs & Co. Now he proves to be the part of Opp Loans Lender.


We are going to value Opploans.com legitimacy and security level to understand whether this online service may be utilized by almost all people living in the permitted list of states.

Loan typesMin Loan AmountMax Loan AmountPeriodInterest RateDocumentsBad Credit History
installment loans$ 1000.00$ 5000.00individuallyindividuallyno special documents required Unknown

Types of Loans

When commanding the service of this online lender, you should be sure – fast funding is guaranteed – the next business day funds will be transferred to your bank account. As we have mentioned above, this lender offers only installment loans with a possibility to obtain the line of credit product in three states: Kansas, Tennessee and Virginia.

faster funding

Unfortunately, there is no concrete information how much time it will take to provide you with funds you borrow but in the majority of cases, people are got money within 24 – 48 hours.

Terms of Use

OppLoans lender processes a diversity of issues when deciding whether a client is eligible to be approved. A client should meet the following requirements:

  • be a resident in the following states: Alabama, California, Delaware, Georgia, Idaho, Illinois, Kansas, Mississippi, Missouri, New Mexico, Ohio, South Carolina, Tennessee, Texas, Utah, Virginia, or Wisconsin;
  • be at least 18 years old (19 in Alabama);
  • not to be a duty service participant or a Dependent of an active duty service member;
  • be employed and have been present at a current employer for at least 3 months;
  • have a bank account within 90 days;
  • get paychecks in form of direct deposit.

This online lender offers from $ 1 000 up to $ 5 000. Unfortunately, we have no information about periods at the end of which you have to pay a loan back.

As OppLoans gives as an example, its interest rates are calculated in the following way: “An example of an OppLoan is $1,000 with 17 bi-weekly payments of $81, and an APR of 99%.”

This interest seems to be as low as possible because there are a lot of lenders who offer greater interest rates for less loan amount. It is strictly defined that a client should have a constant working place for at least 3 months that’s why unemployed people have no opportunity to be approved for an installment loan from OppLoans.com.


You do not need to send any documents for site administration but you should have within reach the following data:

  • SSN;
  • routing number;
  • account number.

Except for this data, you should provide personal information mandatory for filling in. Your application is processed almost immediately and you will see the result after submitting an application. We have undergone this procedure and have the following result within several seconds:


We were not asked any guarantors or contact persons that’ why this procedure looks as free as possible.

Repayment Options

The most appreciated repayment method is by means of payroll deductions. This lender also offers some other repayment options, inclusively of electronic fund transfer (ACH). This procedure includes electronic debiting from your bank account the fixed amount on the due date. There is an opportunity to pay a loan back earlier or carry out additional payments before the due date. To realize this, you have to log in. When you enter your personal account, you will see a button “Additional Payment“. There are no additional charges for pre-payment of a loan.

The question of refinancing can be discussed over the phone with administration – 1-(800) 990-9130. But it is still unknown what will happen if a client skips installment. We do not have any idea of how this lender will behave: to sell your debt to collection team or will give you a chance for paying a loan back but with penalties.


Regretfully, we do not have any idea of whether it is possible to extend a loan or take another one in case if the first one has not been paid yet. As it was mentioned above, the administration may process the chance of loan refinancing but to clear out you have to come in contact with this lender over the phone: 1-(800) 990-9130.

OppLoans.com Bad Credit History

There is no word about bad credit history except for the fact if you are declined for a loan, this result won’t have any influence on your credit score. We cannot even suppose whether OppLoans Lender may approve a client with a bad credit history because they offer great loan amount and in case if a client doesn’t pay it back, there may appear bankruptcy situation.

Technical Data

Secure Connection

As we can see, this online lender provides a secure connection for all transactions taken place on opploans.com. In fact, your personal data is protected by 128-bit encryption. The security certificate is given and verified by Amazon. Unfortunately, company owner information is hidden but in general, this online lender makes something to ensure customers security enough to protect their personal data from unlegalized access. Since the Internet is overcrowded with swindlers, eCommerce websites should take all the efforts to assure clients, they are confidential commanding this or that service.

secure connection

Of course, there are more effective means of data protection but we hope OppLOans Lender will do its best to achieve 256-bit encryption to exclude all the possibilities for data theft.

Mobile Version

Mobile version is a means of getting cash when driving a car or being at work deciding you need money urgently. It is very important for such eCommerce websites to install and develop mobile version adjusted to different types of smartphones. OppLoans has a user-friendly mobile version, due to which you may apply for a loan online within several minutes.

mobile version

There is no scrolling and problems caused by this inconvenience. The text doesn’t run one on another and absolutely readable. The menu is organized in such a way not to sidetrack attention from important things. If deciding the issue to command this mobile version or not, we will vote for.

Antivirus Presence

Unfortunately, there is no antivirus on OppLoans.com. It means clients should be attentive when making use of this online lender website. Antivirus prevents clients from “catching” viruses and other online threats. Site administration should care about this aspect to provide high-quality protection.

Convenience of Application

For applying for a loan, a client should create a personal account by making Opploans.com login/password. The registration form looks like:


After creating an account, a client should undergo more 4 steps to get the final decision. The first step is “About Me”, the second – “My Work”, the third – “My Finances” and the latest one is “Disclosures”.

5 steps

In general, all the procedure takes several minutes. There are no special aspects required. The final decision is given as fast as possible. But when we have been undergoing this procedure, we have been declined. We won’t be explained why?

Opploans.com points out why people should choose them as a way to cope with the financial troubles. These reasons are:

  • Quick Approvals;
  • Faster Funding;
  • Lower Interest;
  • More Personal.

why choose OppLoans

We have only one aspect in an application form which confuses us. The loan amount you have to choose by yourself but before finding the min. and max. loan amount, we come across with a lot of problems. We have wasted a lot of time. But we have done it with the exact aim when clients with financial troubles do not spend too much time trying to gain such an information.

Is OppLoans.com Legit?

According to ScamAdviser.com, Opploans.com is legit for 98-%. It means that this online lender website has a high trust rating and looks safe for use. Sometimes, ScamAdviser.com cannot explain such a high rating because, in analytic data, there is a presence of hidden information. Probable website location is unknown and the percentage is high – 86-%. Owner country location is also hidden. Probable website location is the United States of America and probable website origin is as well the United States but we cannot check the trustworthiness of this information.


We remember that according to given contact information this online lender location is Chicago, IL. But ScamAdviser.com gives a phone number registered in Phoenix, AZ. This information may threaten people who decide to command this service.

Domain age is high enough – 7 years and 349 days. This online lender is much sought after having lots of visitors.

We remember that ScamAdviser.com insists on the idea that hidden services may be used to avoid the problem with spam or some other aspects of blackmailing. If you have a desire to apply for a loan via this service, you’d better grapple with it more carefully.

Reviews about OppLoans.com

Reviews on OppLoans.com Itself

Unfortunately, we do not find reviews left directly on the website. This lender offers to read reviews left on foreign resources. Since that, we cannot process them as inner reviews on opploans.com. It is very important to provide access for customers who decide to apply for a loan. Moreover, it is required the presence of special feedback form by means of which a client may leave a review without waiting for moderation.

Reviews about OppLoans.com Left on Foreign Resources

Opploans Lender provides access to three websites where people may read reviews about this online lender performance:

  1. google.com;
  2. lendingtree.com
  3. bbb.org.

The rating of this lender on these resources is high:

  • 4,8 out of 5 on Google.comgoogle reviews
  • 4,8 out of 5 on LendingTreelendingtree reviews
  • 4,85 out of 5 on BBBBBB reviews

It means that the percentage of positive reviews about OppLoans is incredible. Almost all clients are satisfied with this online service. It is very strange, maybe we cannot believe in this but it is a fact. All the reviews are “fresh”, the latest – dated 2017. It implies that people constantly make use of this online lender to find the way out from a deadlock. If you have a desire to become a client of this lender, you are welcome to visit this resources to read reviews attentively. Especially, we recommend reading complaints left on BBB. They will help you decide whether the real picture looks like it has been described in positive reviews about OppLoans.com left on these 3 main websites.

Customer Support Service

“Contact Us” Section

“Contact Us” section is comprised of the following divisions:

  • call us;
  • email us;
  • write us;
  • hours of operation.

To contact customer support service, a client may use phone number: 1-800-990-9130 or email address: [email protected]. You may also see the physical address of this company:


Hours of operation are also given but remember that holidays come soon as a result, take care of operation days and hours.

hours of operation

This contact information is thorough and may help clients become sure this online lender is reliable and tried and tested company.

Locations of OppLoans.com

OppLoans.com have a permission to work on the territory of the following states: Alabama, California, Delaware, Georgia, Idaho, Illinois, Mississippi, Missouri, Nevada, New Mexico, Ohio, South Carolina, Texas, Utah, Wisconsin, Kansas, Tennessee and Virginia. In the latest three states, OppLoans may provide only the line of credit product.

Installment loans are available for residents of 15 left states. All the requirements for becoming eligible are identical except for Alabama where the min age of borrower should be over 19.

Customer Support Service

There are two main ways to come in contact with customer support group, exactly over the phone and e-mail. We have chosen to email OppLoans support group asking them whether it is possible to apply for a loan with bad credit history.

customer support

Unfortunately, we are still waiting for the answer. The absence of live chat spoils all the picture of this unit. Having waited for 24 hours, we have not got any response from this customer support group. We believe this is the one-off event but this option should be improved because there are a lot of people who have a raw of questions.

Conclusion: Lender from Chicago with Great Amount of Positive Feedback

OppLoans.com is an online lender offering clients installment loans with the available amount from $ 1000 up to $ 5000. The periods and interest rates are unknown but such issues may be discussed when contacting customer support service. The minus lies in required information which should be explained on the website surely, for example, people with bad credit history should get to know exactly whether they are able to be approved not to waste time trying.

ScamAdviser.com gives 98-% of security and legitimacy that’s why we may hope this service is a real opportunity for people to get out from a difficult financial situation. The main problem is that website origin and location together with company owner are hidden but predominantly it is located in the USA.

OppLoans.com is rich in reviews left by customers on foreign resources. Google.com, Lending Tree and BBB may get you access to the enormous number of reviews. Almost all these reviews are written by satisfied customers. All the rating is almost 5 stars.

There appears the problem with customer support group performance but contact section provides detailed information. Our overall rating is 2,9 out of 5. It may be improved if you add some information on the website.

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About the Author

Nancy Torrez
Nancy Torrez

Nancy Torrez is a copywriter of many financial posts relating to issuance of payday loans. She specializes in details about online loans. Nancy believes this product will help many Americans solve any financial problems. Nancy has graduated from Business School and has been previously engaged in banking business. She was disappointed by the aspect 8 out of 10 people cannot issue bank loans.

Nancy Torrez is 35, she is married, and has 2 daughters. In every case of human life there are occasions when you urgently need money. If you have no time to analyze the market, you are welcome to read the information presented on the website.