Just leaving a review after being approved. Opploans approved me this morning and I talked with Amiee (sounds like "Amy"). She was very pleasant and made the process easy! The only issue I had was sending my paycheck stubs to the wrong address, ha. But otherwise I was applied, called, and approved within about 20 minutes. Amiee stayed on the line the whole time waiting patiently for me to send my stubs to the RIGHT address, and then approved.
In my journey for better credit and better rates, I've been through a few of the companies here and I'll have to say for a personal loan for us midprime and rising people, Opploans cater to us properly meaning yes they're interest is a lot higher but its not as CRAZY as say Rise Credit or the other loan sharks out here that are spinning you at 350-400% interest. I think if I paid my loan at the 18 month pay schedule I will have paid double the loan amount, but that's acceptable because it can be paid back earlier with no penalty. Other places listed here on the other hand will spin you into the stratosphere to a tune of 10x your loan if you were silly enough to pay their schedules.
Long story short, Amiee and Opploans just made my life easier by approving me for a reasonable interest rate given my situation. They've got me as a committed financial customer until I graduate to the Prime territory, unless they offer Prime products as well. (Not sure)
P.S. for less than perfect Credit Cards, go with the Capital One step program cards, helped me with building up my CC lines, and for personal loans, according to my experience, go with OppLoans.com. And be responsible and pay everything back like you should!! No one's giving out a free lunch.
DH (Thanks Amiee!)