OppFi review
Updated October 14, 2026 · BorrowCue Editorial Team
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Our verdict
OppLoans works with bank partners; its US application and payment options depend on the states in which it currently operates.
Key facts
- Best for
- Applicants in a currently served US state with direct-deposit income and a bank account.
- Official website
- opploans.com
Pros and cons
Pros
- Recurring ACH and paper-check payments, plus single debit-card payments, are listed
Cons
- Availability depends on state and the application requires direct-deposit income
Who it suits
- Applicants in a currently served US state with direct-deposit income and a bank account.
Position
OppLoans is a platform working with bank partners. The online application asks for personal and income information; stated conditions include a checking or savings account, residence in a state where the service operates and income received by direct deposit. Payment options include recurring ACH or paper checks and debit cards for single payments.
How OppFi compares
Not confirmed yet: APR, Loan amount, Term, Arrangement fee, Credit check, Funding time, Representative example.
OppFi
Applicants in a currently served US state with direct-deposit income and a bank account.