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I usually like Credit Karma, but they are idiots because their website referred our research team to OppLoans and we tried OppLoans, and suffice it to say that we were not impressed. What is most annoying about OppLoans is that it is a shark dressed up as a gold fish.
If it didnt pretend to be something higher than what it is, then it may have received the same so-so reaction that we give most payday loan services. OppLoans has so many flaws that it could be a modern art masterpiece, but despite that fact, compared to other payday loan companies, it is okay (mainly because most payday companies are exploitative, terrible, or both).

Still, do not let Opploan fool you into thinking it is anything more than a predatory payday (short-term high-interest) loan company.,OppLoans offers short-term loans with a very high interest rate and very high fees. What is annoying is their insistence that they are not a payday loan company simply because they do not call themselves a payday loan company. They call themselves a short-term loan company, yet the periods they loan between are the same as most payday loan companies.

In addition, OppLoans claim that they lend at rates that are far lower than most payday loans, but their fees are about average when compared to other payday loans.,The difference is that you are almost guaranteed a loan with one of the popular short-term loan companies listed above, but you are far from guaranteed a short-term loan from OppLoans. The company seems to be built for people who are unaware that their credit is not as bad as they think.,The fact that OppLoans is a legitimate lending company is great these days when there are still so many rogue companies cluttering up the Internet. In addition, they are not a loan matching company that is posing as a lending company.

The website is owned by the company that actually forwards the funds to you.,OppLoans claims they are the bees-knees for having interest rates that range between 100% and 200%, which is good for a payday loan company. However, most payday loan companies will give you a loan no matter what your credit rating is.
OppLoans will not give you a loan no matter what your credit rating is.

As a result, people with bad credit will not be able to get a OppLoans loan, but people with poor-but-not-terrible credit will be able to enjoy an interest rate that is good-to-average compared to other short-term loan companies.,If you have good credit, or poor-to-good credit, then you may be able to receive your funds within one day. Some people are delayed for around three days for a variety of reasons. If your loan takes longer, then either you have been denied and OppLoans have not bothered to tell you (you have to log into your account to find out), or they have asked you for extra documentation that you have not provided yet.,OppLoans is another loan-company website that is jam packed with images of non-Caucasian people.payday loans in greenville south carolina
Short of thinking the web designer hates white people, are they actually targeting black and ethnic people in the US?,Even if we brush aside the implication that people of color need loans, is the company seriously targeting this group on an almost exclusive level? Are they really that dumb?

There are many many many more poor/struggling Caucasian people needing loans because there are more Caucasian people than most others in the US.
The whole “White people have it easier” argument expires the moment you stick your nose out the door and walk two blocks.,Maybe I am naive. Maybe OppLoans gets no business at all from Caucasian people.
Before our commenters start in on me saying that black and Latino people are statistically more likely to default on a loan, may I point out that if black and Latino people were not so heavily targeted by lenders such as this one, then maybe they wouldn’t get into as much debt and wouldn’t default as often. Just to prove I am not making this up, here is a screenshot of the OppLoans home page.,You will be told things such as how you may refinance after six to twelve payments, but it is just not true. They will keep you on the hook for your loan at their high rates for as long as they can.

It would be easier to Shawshank out of prison than it would to get out of their loans with a refinancing.,What I find to be their most obvious mark of unfairness is that you can give them your information at the start and get a loan, and then in six months you can give them information that is almost doubly better than what you gave originally, and they still will not refinance your loan.,There are terms where if you take a short-term loan for $2000, then you may end up paying $600 per month with only $160 being knocked off the principle because the rest is going towards fees and the interest you are paying off. OppLoans claim they are better than payday loans, but there are payday loans that offer similar terms that OppLoans do.,Also, if you apply for a loan as a result of one of their per-approval emails or letters, and they then deny you, did you know you will still receive their “You are pre-screened and pre-approved” marketing messages from time-to-time? Such behavior is almost callous in the way they get peoples’ hopes up.,There are loan and lending companies out there that deal with more than just your credit rating. Such companies take your job, family situation, living situation, current debt, and qualifications into account.

There are even companies that take your number of Facebook friends into account.
Yet, despite the fact that OppLoans claims they focus on the person and not their credit ratingit just is not true. Your credit rating and credit history plays a massive part in their decision to lend to you.,If you have an issue with your loan, the customer service department is very slow to resolve it. For example, if you are having your payments taken out a few days earlier than they are supposed to come out, then you will have to hound the company to get it fixed. Also, why do they ask for bank information so early? Before you are even approved they start asking for your bank information.,I may have gone a little easier on the company if their website was not so stuffed with annoying promises and claims.

If the company presented itself as a payday loan company that offered short-term loans to people with poor-to-good credit rather than presenting themselves as a short-term loan company that accepts everybody, and if they stopped sending out per-approvals that were not genuine, then this company may be worth dealing with.,Be very careful when shopping around for short-term loans and payday loans because there are often better options. If you can wait a few days, you may have more luck with a credit card.
Even the extra charges and the higher interest rate you receive for withdrawing money from your credit card may still come to less than what companies such as OppLoans are willing to charge you in interest and fees.,Looking to get a loan with a 512 credit score ($1000).

Should I just ask a family member to co-sign would that be a better option. Thanks

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