OppLoans personal loans are available in 38 US states. Check whether OppLoans operates in your state before applying.
OppLoans operates in 38 states through a combination of direct lending and bank partner arrangements (FinWise Bank, First Electronic Bank, and Capital Community Bank). APR, loan amounts, and terms vary by state.
OppLoans does not currently offer loans in all 50 states. If your state is listed below, consider alternatives such as NetCredit, Avant, or Oportun, which may serve your state.
OppLoans' state availability can change as regulations evolve and the company expands or exits markets. Always verify current availability directly at OppLoans.com before applying. OppFi Inc. regularly discloses any regulatory changes affecting state operations in its SEC filings.
Check My State's AvailabilityThe APR you receive on an OppLoans loan depends heavily on your state of residence. Some states cap interest rates through state usury laws, while others have no cap.
| APR Tier | Example States | Notes |
|---|---|---|
| Up to 99% APR | Some mid-tier regulated states | State usury laws provide more consumer protection |
| 99%–160% APR | Most states where OppLoans operates | Standard range for the majority of borrowers |
| 160%–195% APR | States with minimal rate caps | Higher APR tier; use TurnUp Program to explore alternatives |
Exact APR is not known until you complete the application. OppLoans uses state of residence as a primary factor in rate determination.