OppLoans Reviews 5,573

TrustScore 4.5 out of 5

4.4

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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

How this company uses Trustpilot

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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!

22 December 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

22 December 2025
Unprompted review
Rated 1 out of 5 stars

Predatory and Illegal interest rates!!!

While easy to get a loan with this company. It is by far the highest and most predatory interest rate I have ever seen. It is illegal in most states in the US, how high the interest rates are. DO NOT get a loan with them unless you can pay it back immediately. Otherwise it could ruin you financially.

16 December 2025
Unprompted review
Rated 5 out of 5 stars

Unexpected Expenses

Sometimes if there was a storm coming that we cannot stop but with the help of this company my storm was able to make it calm and steady. Thank you so much for your assistance for some emergency that I cannot control. The process was extremely easy and outstanding. It was so amazing that the funding was available the next day, what else I can say, you are all so understanding and ready to lend a helping hand. Yes! the rate was kind a high but what will expect in an emergency like what I have, I will have no regret. Thanks all!

8 December 2025
Unprompted review
Rated 1 out of 5 stars

Very bad service

Very bad service. Took all my information and then expired my application. I waited a whole week for an answer and when I called to check on my application they said it had expired. Wanted me to give them my information again.Not a trustworthy company at all.

16 December 2025
Unprompted review
Rated 5 out of 5 stars

I give them a 5 if I could give them…

I give them a 5 if I could give them 100 I would. Their customer service is always nice and always available to answer any questions you need. My last customer service she helped me with all I needed and I didn’t know what was wrong and she took her time to walk me through everything!! I love opp loans

11 December 2025
Unprompted review
Rated 5 out of 5 stars

Happy Camper in PENNSYLVANIA.....................

I've applied the first time for a loan towards or close to the end of 2025! I applied and everything was smooth. I know those working for this company offer the BEST service you can ask for always. I got the loan. Now in December I need to refianance to do a little christmas shopping. I got the 2nd loan. You can pay me to complain about this company and I would most definately turn you down. .......
MERRY CHRISTMAS / HAPPY NEW YEAR to those involved in working with this business.THANKS AGAIN! :) :) :) :) :) :) :)

15 December 2025
Unprompted review

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