About Us

OppFi is a tech-enabled, mission-driven specialty finance platform that broadens the reach of community banks to extend credit access to everyday Americans. Through best-in-class customer service, transparency, responsible lending and financial inclusion, the Company supports consumers, who are turned away by mainstream options, to build better financial health.

OppLoans Has Served 2M+* Customers
Over 13+ Years

*As of September 1, 2024

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14M+

Applications

payments

2M+

Loans

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30M+

Repayments

What Our Customers Are Saying

Our customers’ success is our greatest achievement. Here’s what they have to say about OppLoans:

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OppLoans is fast and efficient. The app[lication] is user friendly. OppLoans has been there for me through some tough times. Greatly appreciated and will definitely recommend.

Andrea

July 2024

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I've used OppLoans a couple times and they have made it easy and quick to go from applying to having the funds in your account. Great for when you're in a bind.

Frank

September 2024

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For someone who doesn't have the best credit, my experience with OppLoans was amazing! It was very quick, customer service was top notch and the process was painless!

Melissa

September 2024

Our Commitment to Financial Health

OppFi is a Member of the Financial Health Network, joining leading-edge financial services, financial technology, and other providers committed to improving financial health for all.

Improve Credit: Tools that can help increase your FICO® Score instantly

Financial Education: Learn financial skills and earn rewards in the process

Local Savings: Discover local resources to save on rent, utilities, and more

Why Choose Us?

Millions of Americans are underserved by traditional financial institutions due to limited or poor credit histories.
Our approach fills that gap with an innovative, customer-first focus:

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Fair and Transparent Lending

No hidden fees or confusing terms – you always know what you’re paying and why.

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Flexibility and Accessibility

Our Partners go beyond your credit score to evaluate your financial situation, giving you the flexibility you need.

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Best In Class Customer Service

Our 450+ employees are dedicated to serving our customers with transparency, kindness, and empathy. We take pride in our positive impact on the community.

How It Works

Working with community banks, we offer personal loans designed to fit your needs. Our process is simple and built around you:

  1. Apply Online
    The application process is quick and easy, with decisions often made in minutes.

  2. Approval Process
    We consider more than just your credit score, so even if you’ve been turned down by others, you may still qualify.

  3. Same-Day Funding Available
    If approved, you may receive money in your account as soon as the same business day1!

Join the OppFi Team!

We offer a great compensation and benefits package to support you inside and outside of work as you grow your career with us.

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California Residents, view the California Disclosures and Privacy Policy for info on what we collect about you.