OppFi

Yes, OppLoans is a legit lender and not a scam that offers personal loans for people with bad credit or better in 33 states. OppLoans is registered to do business in the states it services, which is a legal requirement to be a legitimate lender. Another reason why OppLoans personal loans are legit is that the lender has a Better Business Bureau rating of A+. The company is also accredited with the Bureau.

Still, you should note that OppLoans personal loans aren%t "legit" if you use that word as a synonym for "good." OppLoans personal loans are very expensive, charging an APR of 59% - 160%.

OppLoans requirements include being at least 18 years old, having enough income or assets to make the monthly payments and owning a verifiable bank account. You don't need a certain credit score to qualify for OppLoans personal loans.

You can see OppLoans major requirements listed below. Just remember, while meeting all the requirements gives you a good chance of approval, it's never guaranteed.

OppLoans Requirements for Borrowers

• Credit Score Requirement: None
• Minimum Income: Annual income of $18,000 or more
• Age: 18 years old (19 in AL and NE)
• Citizenship: U.S. citizen or permanent resident
• Identification: Social Security number
• Bank Account: Verifiable bank account with transaction history of at least 90 days
• Residency: All states except Iowa and U.S. territories

Before you apply for any personal loan, it's a good idea to pre-qualify. To pre-qualify with multiple lenders at once, check out WalletHub's free pre-qualification tool.

Yes, OppLoans is trustworthy because is a legitimate lender that has a “A+” rating from the Better Business Bureau and has been an accredited business since 2016. OppLoans also has an average rating of 4.9/5 among users on WalletHub, and WalletHub's editors gave the company's personal loans a rating of 2.4/5.

Why OppLoans Is Trustworthy

• OppLoans has a A+ rating from the Better Business Bureau.
• OppLoans has been BBB-accredited since 2016.
• OppLoans has an average user rating of 4.9/5 on WalletHub.
• WalletHub's editors gave the company's personal loans a 2.4/5 rating.
• The company lists product terms and conditions on its website.
• The company's website is secure.

To read more, check out the full OppLoans personal loan review on WalletHub. Then, you can estimate your potential rates with our free pre-qualification tool.

OppLoans tries to review applications within 24 hours, but it could take 3+ days if they need to manually review any of your information. If your application is approved, it will take a few more business days to receive your funds.

Key Things to Know About OppLoans

• Application Review Timeline: 24 hours - 3+ days
• Funding Timeline: 1 - 3 business days
• Loan Amounts: $500 - $4,000
• APRs: 59% - 160%
• Repayment Periods: 9 - 18 months
• Origination Fee: $0
• Late Fee: $0
• Prepayment Fee: $0
• Credit Score Requirement: None
• Income Requirement: Annual income of at least $18,000

For more information, check out the full OppLoans by OppFi review on WalletHub. Then, you can estimate your potential rates with our free pre-qualification tool.

To log in to your OppFi® Card account, open your OppFi mobile app and enter your username and password in the appropriate fields. Then, click login button to access your online account.

How to Log In to a OppFi Card Account

1. Go to the OppFi Card login page.
2. Fill out the username and password fields with your credentials.
3. Click login button to access your account.

After you have logged in, you'll be able to manage your OppFi Card account online. You can pay your credit card bill, see credit card statements, monitor account activity, and change account information such as passwords and automatic payments.