Oplo Reviews 

Had nothing but issue after issue with this vile company. The interest rates are so high that despite paying hundreds of pounds every month the balance never reduces. If you miss one payment they continually mark on your credit file that you miss each and every payment.Please avoid like the plague if you want a stress free life. There’s 2 courses of action for this company and that’s the financial conduct authority and ombudsman

Same as the others - agreed in principle then declined on affordability. Was fully transparent on earnings and was told it wouldn’t be a problem, now suddenly cannot afford despite it saving hundreds by consolidating. Try and find somewhere else first guys!

They work hard to get you accepted and are very understanding of your credit file which was appreciated. Service by the actual girl who called was also excellent.

Where they fall down is first of all the £300 admin fee they charge. I’d love to see a breakdown of how £300 is spent on a pre-written document and sent back and forth by email.

Because this fee is added to the capital balance of your loan, plus they charge up to 58 days extra interest for early settlement you could still end up paying back more than you borrowed even after almost a year (which doesn’t sit right with me) but is a consequence of my second negative…the interest rate.

Interest rate was quite high. Not as high as some cowboy lenders but higher than a high street bank.

Oplo did help me in a time of need but the particulars do need highlighted for future customers.

DONT DO IT !! Spent three days of emails and phone calls only to be told sorry they said no to affordability??? By having the loan (that I told them was for consolidation purposes) I would of been roughly £200 better off a month . On the phone only after I provided a bank statement did they question other things that that clearly had missed when they did the credit check ??? Incompetent??? Also asked to speak to me at my workplace even though my 2 pieces of documentation showed I clearly worked where I said I worked 🤣
So glad I got turned down looking back on it as they wanted to charge me nearly double the 5 grand I wanted to borrow in interest 😲😲
So thanks oplo you've actually done me a massive favour 😉

I really should have paid attention to the online reviews, whilst the person i dealt with was very helpful & polite I wasted my time ( over 2 hours) discussing and processing an application which can’t proceed because my employer is based offshore - in the Channel Islands- if this is a deal breaker why not mention it at the start & avoid wasting everyone’s time .

Worst company. Poor comunication and poor service. Sold my car and havent taken away payment from my agreement, I even set up a new Direct debit with them and they continuously put down on my credit rapport missed payments when I have paid and have proof of this too. I will be taking legal action on this company stay clear disgusting company!!!!

It took 4 days just for them to say NO even after speaking on the phone to the underwriters multiple times and was advised it all looks good and there's no reason it should fail but something went wrong they took all my information and wasted my time When it took 1 day with another company I would not advise anyone to waste there time with this company even if you have bad credit report as there's other companies out there that are willing to help

Once again...agreed on principle

Yet rejected on affordability 😂😂

Laughable when there was nigh on £700 a month surplus

Cowboys ..yeee haaaa

Complete waste of time. They let you go through all the process even sign the loan agreements on line. Then when they call you they tell you they can't offer you the amount you have requested to borrow even though I had given them all the correct and honest information required and the telephone manner was not appealing either just don't bother wasting your time you'll feel very disappointed.

Worst company I’ve ever dealt with. Worst Custer service. Stay away from them.
Nothing has been sorted you guys messing me around I am suffering because of your mistake.

This company is fraudulent by holding far too much personal information with edocuments in the pre-approval process and then selling it on.....Avoid, avoid Avoid!

Liars, that's the basics! I have recently taken out a loan, one of my first questions was can this account be managed online? I was told yes, account all went through fine, that's where the customer service ends. Tried to log in, get a message saying await for an email giving access to your account. I have waited nearly a fortnight no email. Sent of a quick email to relevant department to get a reply stating, this function is not available. So i have been lied to and don't appreciate it. The agent i have been dealing with has supposedly escalated my complaint, however i will be sending a formal complaint to the financial ombudsman.

Got into a little debt with credit cards so thought I would take a loan to ease the the payment I needed £20,000 I was excepted with a monthly repayments £302 I thought great at the time 2 years on and having paid £7,248 I still owe £21,971 I have just asked for a settlement figure and they want £22,405 I know people my be desperate to settle there debts but this company will only hurt you even more take some advice from some company that will help in these matters and don’t just jump into like I did I would not recommend this company at all they will keep you in debt for years you will never be free

Applied for loan accepted in principle on the understanding that they said they would accept me if I gave them 2 more payslips reflecting same wage, waited two long months then took another three weeks until they got back to me then got all paperwork signed ready to complete THEN got declined!? What was the point! Please Avoid this company at all costs! COMPLETE WASTE OF MY TIME!!!! AVOID AVOID!!!!!

Have a loan with Oplo currently which was organised with a broker. Experience via the independent broker was excellent. But oplo themselves have been awful.
Called up last week to see if its possible to amend the loan, told maybe, we don't know for sure. We will find out what the info means and call you back. No call back. Woman was actually pretty rude, spoke over me multiple times, interuppted me mid sentence and generally came across as if she absolutely can not be bothered doing her job.

Called back multiple times to try and discover if its possible, or what the parameters were. Disconnected. Transferred and on hold for 40 minutes. And one time given a number for a random accountant in Blackpool. Absolutely ridiculous.

Original rude woman has since called me back, unable to tell me anything really. Unable to discuss criteria and generally does not seem to have any clue what she is doing. Continually talking over and interrupting again. She knows about 0.5% of my circumstances as she has not listened to a word I've said. Poor service.

Was a bit worried after reading some feedback, but process couldn’t have been more straightforward. Got provisional approval through TotallyMoney, completed application and signed everything, took a 10-15 min call to go through credit report and what I was going to consolidate, then bang, money in the account within a day. Staff were great.

Stay clear. Daylight robbery. Prey on the vulnerable. Take advantage of people who can't go high street. This is my own experience. Do not consolidate with a loan you will definitely pay more. Try to seek other solutions.
I took out a loan and if I had not settled early I would pay over £35k in interest. Never missed a payment and wasn't even given a reduced settlement. Early settlement 2 months interest as per my terms. I wish I had gone with someone else it's the biggest mistake of my life.
The double figure interest rate that never reduces. When calling I get the condescending agents who come across tuff you have this loan for a reason just pay it. If you raise a complaint you never win it.
Please read terms and conditions if you do go with them or seek financial assistance.
Would I recommend. Never.

Never had a company grill me so much as these Spent 30 minutes asking more questions than the gestapo even after all of this and me completing the application and going through every single entry entry on my credit profile then being asked who ill be paying off and what i would do with the remaining balance how ridiculous what's it got to do with them !! Then after all the checks after signing the application and wasting all this time she still wasn't satisfied and asked for copy of my payslip , bank statement and something else which I said u no what forget the loan far too much never had this on other loans ive taken out if it wasn't affordable then surely I woudnt of passed the credit check avoid at your peril !!!

Waste of time gets you e sign all the documents approve you then decline you on affordabilty this company should be ashamed themselfs complaint to the FCA forthcoming every step they put hurdles in the way SHAME ON YOU OPLO!!
should be shut down offering products they make as difficult as possible to obtain..

I have had a loan with Oplo for over 12 months and up until around 5 minutes ago, everything and everyone about the process was seamless and the customer service team brilliant.....that is like I said until about 5 minutes ago, the agent I spoke to was abrupt, didn't listen to my request and kept quoting 'service level agreement' like I don't know what an SLA is. (quite condescending actually) My request was simple but urgent! - I will be submitting a formal complaint in writing. Like I say perfect service until 1 lazy & unhelpful person decided to speak to me like a child and as though they are somewhat superior. - Edit - The manager Salma has contacted me and resolved my complaint in full and final within hours or receiving this review, Thank you for contacting me and your apology. Not only do complaints need to be recognised but so does brilliant customer service, Thanks again Salma, much appreciated