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OppLoans Reviews

Rated 4.8 based on 11969 Reviews

Financial Services

Published on
July 8, 2025
Last updated
July 8, 2025

Reviews Summary

Overall, the sentiment in customer reviews for Opploans loan services is mixed. Some customers express appreciation for fast approvals, helpful staff, and flexible payment options, especially for those with challenging credit histories. However, there are repeated complaints about high interest rates, poor communication, and an arduous documentation and approval process. A number of customers report frustration with document verification loops, lack of responsiveness, and perceived inflexibility regarding payment or credit issues.

Common feedback includes complaints about excessive interest rates and approval delays, with multiple reviewers stating they waited several days or experienced repeated requests for the same documents. Negative experiences also mention diminished loan amounts after approval, and lack of communication, while on the positive side, users mention effective customer service, easy navigation for returning users, and the potential for credit score improvement.

Opploans maintains a reputation as a potentially accessible option for high-risk borrowers, but concerns about transparency, interest costs, and customer support persist. In general, the company is seen as convenient for some, yet reliability and satisfaction vary widely, making it important for consumers to weigh costs and terms carefully before choosing their loan products.
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What Customers Are Saying About OppLoans?

I ABSOLUTELY LOVE LOVE LOVE THIS PLACE!

customer service is PHENOMENAL!

Very helpful and fast friendly.

OH MY GOSH THE MORE I USE THEM THE EASIER THE LOANS GET.

easy to navigate and obtain a loan

Trustguide extracts key phrases from reviews about OppLoans and sort them by sentiment. This gives you a quick view of what customers consistently praise or raise concerns about—without needing to read every review.

Satisfaction Score

Based on the set of reviews used to generate this report, it appears that 30% of OppLoans's customers had a positive experience.

Positive
30%
Neutral
10%
Negative
60%

OppLoans Ratings

5

As of Based on 11969 revies as of Jul 08, 2025

OppLoans Score

30%

As of Based on 11969 revies as of Jul 08, 2025

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Customer Reviews

As of Jul 08, 2025, 11969 customers have reviewed this business and rated it 4.8 Star out of 5. Trustguide conducted an in-depth analysis of OppLoans's publicly available reviews View source

Bradley Harris rated OppLoans 1 stars
2 weeks ago
Went around in circles over and over and over with bank verification when I had to keep uploading latest paycheck and bank statement. I kept explaining to them I don’t get check stubs but they kept sending emails requesting it. Everytime I’d upload documents I’d get emails to do it again so I’d call and they would say I was good then get another email saying to upload same documents I just did 🤦🏼‍♂️🤦🏼‍♂️You can see where the going in circles part comes in. I’ve had a loan with them twice before and paid a lot of interest because it’s soooo high so you would think they would make it easier to get approved for returning customers. I had to stay on them for 4 days just for them to deny me 🤦🏼‍♂️🤦🏼‍♂️ Don’t recommend!! Go somewhere else!! I promise there’s a lot better!!
M J rated OppLoans 5 stars
2 months ago
I ABSOLUTELY LOVE LOVE LOVE THIS PLACE! I am beyond grateful for running across their website thanks to MONEYLoin, I have been working on my credit for the past year and I didn't want any hits on my credit, but I took a shot with this company. I applied Friday and was approved Sunday and had money in the account by 8pm Monday..... My very first loan. The payments of course are a bit high(217$) but that's to be expected. It was my own fault. When I first applied the payments were 387$ but once they ran what they needed to run it went down, and the notification email they send you is cute lol made me smile. I can't believe how quickly they move through the process, especially because I didnt expect to get it. My credit was 419 💢 horrible but I was young and dumb, it's now 639 not good but it's sooo much better than what it was. It's crazy your credit score is one of the most important number you will ever own. But anyways this place is legit, I was hesitant (VERY) at first but everything went through and they used ™️ PLAID to verify your banking information. But that's about it. Ohhhh also the customer service is PHENOMENAL! Literally 24/7 and the wait time was like 1 minutes 2 tops...give it a try they accept all credit. It feels good to be able to have another chance
VaNece Edwards rated OppLoans 5 stars
2 months ago
Very helpful and fast friendly. Reasonable payment plan and can't wait to boost my credit score.

Frequently Asked Questions About OppLoans

How long does the Opploans approval process take?

Reviewers report a wide range of approval experiences; some receive funds within one business day, while others wait several days or face repeated requests for documents. Customers may need to call if there are delays or unclear follow-ups.

Are Opploans’ interest rates considered high?

Multiple reviews highlight that Opploans’ interest rates are substantially higher compared to other lending options. Borrowers should review their terms carefully to ensure they understand the overall repayment amount before accepting a loan.

Is customer service accessible if I have questions or need help?

Some reviews praise Opploans for their 24/7 customer service and prompt phone support, while others note challenges with responsiveness during the approval process. It's recommended to use multiple channels if needed.

About OppLoans

Financial Services
Opploans is a financial services provider specializing in personal loans for individuals who may have subprime or limited credit histories. The company operates primarily online, allowing customers to apply for loans, submit documents, and receive decisions remotely through its digital platform.

Opploans' operational process involves users submitting an application and supporting documents online, with certain banking information verified via third-party services. Approval times vary, with some customers reporting fast deposits, while others encounter delays. Loan terms, repayment options, and amounts are provided digitally, and communication is primarily conducted through the company’s website, email, or phone.
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How is this report generated

Trustguide generates concise, neutral summaries of business reviews. By analyzing publicly available feedback from reputable platforms, it highlights common experiences, praises, and concerns. This allows users to quickly understand a business’s reputation without reading every individual review.4o
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