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OppLoans personal loans: APR, fees and requirements
What OppLoans publishes about its personal loans (up to 195% APR), checked on the lender’s own pages, and how its starting rate compares with the other lenders on our list.
Lender type
Online lender
APR range
Up to 195.00%
Loan amounts
$500 to $5,000
Origination fee
None
Minimum credit score
Not published
Funding time
As soon as the same business day if verification is completed and final approval occurs before 12:00 PM CT on a business day; otherwise as soon as the next business day
Availability
Only in states where OppLoans currently operates (state-by-state options on the Rates and Terms page). Loans originated and funded by bank lending partners.
How the lender states its rates: “The maximum APR for a loan offered through and serviced by OppLoans is 195% and loan sizes range from $500 to $5,000.”
The top of this lender's APR range is above 36%, the cap many states and the Military Lending Act use for consumer loans. At that cost, compare a credit union loan or a secured card before you borrow.
Every article is checked against primary sources: the Consumer Financial Protection
Bureau, the Federal Reserve and issuer terms. When a number changes, we update the piece
and say when.
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Hub for Credit publishes independent information about credit cards, loans, and consumer finance. We are not a bank, a lender, or a card issuer, we do not extend credit, and we do not broker applications. Nothing here is personalized financial advice.