OppLoans Reviews 5,572

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 advisor

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 5 out of 5 stars

Prompt, Easy and I'm Forever Grateful

In my time of need, I was more than pleased with the easiness and promptness of the system. The availability of the amount of money you offered was tremendous, although I only took what I needed, I'm Forever Grateful to you. Thank You so much for your help and support. I'll definitely be back

2 January 2026
Unprompted review
Rated 5 out of 5 stars

This is a great company for a loan with…

This is a great company for a loan with fast approval and money in your bank account in a couple of days so easy I couldn’t believe how easy this was so happy I would recommend anybody looking for a fast approval for emergency expense

31 December 2025
Unprompted review
Rated 5 out of 5 stars

Everyone that i dealt with

Everyone that i dealt with, spoke with or communicated with at any given was pleasant, knowledgeable and very helpful with any questions that I had!!! The process is so easy, and the deposit was made pretty much the same day!!!

29 December 2025
Unprompted review
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.

1 October 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.

25 December 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

27 December 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.

5 May 2025
Unprompted review

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