Rates & Terms
by State.
Clear, upfront information about your borrowing options. Select your state to see the specific loan products available in your area.
Member OFLA
Committed to fair lending practices
Loan Structure Details
We believe in no surprises. Here is a typical breakdown of our loan products, though specific terms vary by state jurisdiction.
Variable APR
Ranges.
Typical APRs range from 59% to 160%. Rates are determined based on your state of residence and creditworthiness.
Loan Amounts
Borrow what you need to cover life's unexpected turns.
Flexible Terms
Repayment periods designed to fit your pay schedule.
Zero Hidden Fees.
No application fees. No origination fees. No prepayment penalties.
The OppLoans Difference
How we compare to traditional short-term options.
| Feature | OppLoans Installment | Traditional Payday |
|---|---|---|
| Repayment Structure | Fixed Installments | Single Balloon Payment |
| Repayment Period | 9–18 Months | Typically 14 Days |
| Credit Reporting | Reported to Bureaus | Usually Not Reported |
Understanding Your
Repayment.
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Automated Payments
Set up TurnPay to automate your installments directly from your bank account, ensuring you never miss a due date.
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Pay Off Early, Save Money
We never charge prepayment penalties. If you're able to pay back your loan sooner, you'll save on interest charges.
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