Opploans reviews

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Sours: https://www.creditkarma.com/reviews/personal-loan/single/id/opportunity-financial-personal-loans

OppLoans

Rated with 1 star
Omar of Miami, FL Verified Reviewer
Original review: April 28, 2021

Opploans is a scam. They will steal your money in more ways than one (hidden fees, hidden penalties, and ridiculous interest rates). They claim there is no early pay-off penalty. However, that is not the case. They will charge you the same amount regardless of whether or not you pay off the loan early or continue with the scheduled payments.

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Rated with 1 star
Donna of Lebanon, TN Verified Reviewer
Original review: Dec. 3, 2020

Please be warned not to take this loan. This company is stealing your hard earning money. I thought I was paid off on a 1300 loan paying 1551 current and thought should be through by now. This company has added another $1000 to pay back on top of this. I was not aware this. Don't believe the people praising this cause probably like me and didn't know what they were getting into.

Rated with 1 star
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Delilah of Mims, FL Verified Reviewer
Original review: April 18, 2020

This company is a complete joke! I took out a loan in August 2019 for $1300. My loan is to be paid off in May with a total of $972.80 in interest (which is insane). With everything going on right now after receiving the stimulus check I called today to pay off the rest of my loan which should have been $284. They tell me I owe $443.23 now. Apparently I missed a payment at the end of September that nobody notified me of until now. The manager I spoke with said they sent out 1 email no phone call, letter, or anything!

While they had me on hold for a long time I looked up my bank statements. I have made every payment on time except for that one week because my account got hacked and my money stolen so the bank froze everything until it was corrected 3 days later. They are charging me $159.13 in fees for 1 missed payment that I knew nothing about until today! Buyers beware, this company is a fraud and will take your hard-earned money unfairly with no hesitation! DO NOT GET A LOAN THROUGH THIS COMPANY!!!!

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Rated with 1 star
Barbara of Shalimar, FL Verified Reviewer
Original review: Feb. 25, 2020

I called today to find out my balance and I was told $1385.67 and that's until Sept 2020. Now that's at $130 biweekly. So when I asked for my pay off balance if I was to pay off earlier they said it would be $1385.67. So if I was to pay off early there would be no break in my extremely high interest. I don't know how these companies can legally charge such high interest in these loans but yet they state they are helping people with bad credit and yet they wonder why we can't fix it or get ahead. I've already paid off my loan and then some but still owe another almost $1400.

Rated with 1 star
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Dornita of Charlottesville, VA Verified Reviewer
Original review: Jan. 31, 2020

I applied for a loan and kept getting an email every five minutes to send the same information over and over again and that’s after receiving emails saying they received it so I said forget it. I would not recommend this company to a dog.

Rated with 2 stars
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Tiffany of Glendale, AZ Verified Reviewer
Original review: Jan. 20, 2020

I had previously given this company a good rating as had 2 loans prior. I paid them off in full and never skipped a payment. I paid a large amount of money to include the 159% interest rate over the life of the loans. My credit and employment has not changed from the time of first loan until now. When I tried to re-apply this month for a smaller amount the previously borrowed in the past I was declined. I called to find out why and was not told a reason. After paying so much money to a company and receiving emails stating I was a VIP customer then to be rejected is poor customer service and would not refer anyone to this loan company.

Rated with 1 star
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David of Chicago, IL Verified Reviewer
Original review: Dec. 24, 2019

I applied for a loan on 12/16/19 for a auto repair job. I get asked for increasing documentation each day until Wednesday 12/18/19. I was under the impression it took 24hrs, but on the phone was told it could take up to 72hrs. Ok, I thought, 5 days to get a loan. Friday 12/20/19 I get a email to contact them, I get asked to sign the contract and ill receive a call about some crap called a bank call verification, after already having other amounts of creepy personal information. I get no call Friday so I call Saturday, and they say they only do bank calls on the week day. I call today 12/23/19 to let them know when the bank closes and I've been waiting a week to get this done. 6pm now, the bank is closed, it will now be 12/24/19 Christmas Eve and I'm still waiting to be approved by some crap called a bank call. The rates are good, but if your life depended on this loan, OppLoans would probably let you die. Only apply if you can wait through their goofy process.

Rated with 5 stars
Freddie of Chicago, IL Verified Reviewer Verified Buyer
Original review: Nov. 11, 2019

When I need Funds it was available quick, and in one day the funds was in my account the next day great service. I would tell all my friend about your great service! I'm requesting another Loan as we speak. Thanks!

Rated with 5 stars
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Alessa of Las Vegas, NV Verified Reviewer
Original review: Oct. 16, 2019

No hassle loan in minutes...seriously! I wasn't sure about the loan period and was able to call and speak to a representative right away who explained the entire process to me prior to me signing my contract. The entire process took 25-30 minutes. From application to approval. Money in the bank the next morning when I woke up because my bank only processes transactions at midnight. I checked the BBB for negative feedback and the good far outweighed the bad and I spoke with them about the issues I read about and found out some valuable information about how to navigate their system. Thanks for the loan and I'm sure I won't have any problems with this company.

Rated with 5 stars
Genaida of Tampa, FL Verified Reviewer Verified Buyer
Original review: Aug. 26, 2019

When in a bind OppLoans is a lifesaver. They are fast, everything done online, and they have the best rates. They give large amounts for not that much per paycheck. Thanks to them they even allowed me to refinance my current loan to get another one.

Sours: https://www.consumeraffairs.com/finance/opploans.html
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© 2021 Opportunity Financial, LLC. All Rights Reserved. Use of Opportunity Financial, LLC is subject to our Terms of Use and Privacy Policy.

California Disclosures and Privacy Policy | California Consumers can opt-out of the sale of personal information by clicking Do Not Sell My Personal Information.

Applications submitted on this website may be originated by one of several lenders, including: Opportunity Financial LLC, a licensed lender in certain states; or one of our lending partners. All loans originated by our lending partners will be serviced by OppLoans.

NV Residents: The use of high-interest loans services should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction.

1Subject to credit approval and verification. Actual approved loan amount and terms are dependent on standard underwriting guidelines and credit policies. Funds are typically deposited via ACH for delivery for next business day if verification is completed and final approval occurs before 8:00 PM CT, Monday-Friday. Availability of the funds is dependent on how quickly your bank processes the transaction.

2OppLoans may use credit report information provided by Clarity Services and Experian as part of the application process to determine your creditworthiness. Neither credit inquiry will appear as a hard credit inquiry on your Experian credit report and therefore they will not affect your FICO score.

3Testimonials reflect the individual’s opinion and may not be illustrative of all individual experiences with OppLoans. Ratings on third-party websites may periodically change; please check the third-party websites for up-to-date reviews and ratings. Check loan reviews.

4Installment loan amounts typically range from $500 to $4,000. APR ranges from 59% to 199%. Installment loan lengths range from 6 to 18 months. Example: A $2,000 installment loan repayable in 9 monthly payments would have an APR of 160% and monthly payments of $395.58 Rates and terms vary by state. This is an expensive form of credit and you should determine whether our product(s) meets your financial needs.

6OppLoans reports customer payment history to the three major credit bureaus. On-time payments may improve credit score.

USA PATRIOT ACT NOTICE: IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

If you have questions or concerns, please contact the Opportunity Financial Customer Support Team by phone at 855-408-5000, Monday – Friday, 7 a.m. – 11:30 p.m. and Saturday and Sunday between 9 a.m. – 5:00 p.m. Central Time, or by sending an email to [email protected]

Sours: https://www.opploans.com/

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