I was in need of some quick cash for some debt consolidation and I went ahead and applied with Opploans. I used to be a loan processor at an Installment loan office and told myself id never get into one myself. But Opploans rates compared to the place i used to work are are almost minimal. Their rate thaey gave me was like 120% the place i worked at was 521.43%. So much better. The only thing i didnt like about the whole thing is that they dont offer loans less than $1000. I didnt need that much but withy knowledge i knew a big first payment would help cut out majority of the interest on the first payment and would go mostly to my principal balance. I will definitely be going back to them when the time comes i need another loan!
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Most Helpful Negative Review
The service is great because they reps are NOT giving all the information. I was told that I would only be paying $122 per check. THIS IS WHAT I WAS TOLD. The payments have been different EVERY SINGLE time and the excuse I am getting is that it is because of "How Many Days between my checks!!!!!!" Really...I was told and ASSURED that my payment would be $122. I called and checked time after time before payments started coming out of my account. Then the Statement came. $150+ ...REALLY!!!!!!! I am on a strick budget and this has thrown me completely off. And check this out...My Payment this month is $136.34...Does this look anything like $122....I REPEAT....DO NOT DO THIS!!!!!! This is a financial TRAP!!!!!!!! I will NEVER do this again NOR will I REFER ANYONE to this company. If you are not going to give CORRECT information DO NOT GIVE ANY!!!!!!
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**Annual Percentage Rates, terms of loan, and monthly payments presented are estimated and were created based on analysis of information provided by the consumer and available rate information from lenders. While efforts have been made to maintain accurate information, the loan information is presented without warranty and the estimated APR or other terms presented do not bind any lender. Lenders generally have a range of available APRs (for example, a lender’s range might be 2% to 12%) and only borrowers with excellent credit will qualify for the lowest rate available. Your actual APR will depend upon factors evaluated at the time of application, which may include credit score, loan amount, loan term, vehicle information, credit usage and history. All loans are subject to credit review and approval. Additionally, model year, loan-to-value, minimum loan balance mileage, income, debt, etc. restrictions may apply. When evaluating offers, please review the lender’s Terms and Conditions for additional details.