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OppLoans
Share of complaints that ended with money back
0.0%
Of the 550 complaints recorded against Opportunity Financial, LLC in the CFPB database, 0 were closed with monetary relief. Read this as one figure from a public dataset, not a grade: it is not adjusted for how many customers or loans a company has, its product mix, complaint severity, or how each firm classifies its responses — so it should not be read as this lender treating people better or worse than another.
This lender appears on the National Consumer Law Center’s rent-a-bank watch list. In a “rent-a-bank” arrangement it makes loans through a bank’s charter, so the rate follows the bank’s home state, not your state’s cap. Lenders defend this as lawful; whether it is has been litigated both ways.
How the rent-a-bank scheme works → · Source: NCLC watch list →
This company is publicly traded (OPFI). These figures are stated in its own annual report (FY2025 Form 10-K) — not our estimates.
Online bank-partner model (OppLoans), no stores. Stated APRs on installment loans facilitated in 2025 typically run from about 59% to 195%.
Read the FY2025 Form 10-K on SEC EDGAR →Issue categories as selected by borrowers on the CFPB complaint form.
| Issue | Complaints | Share |
|---|---|---|
| Charged fees or interest you didn't expect | 207 | 37.6% |
| Struggling to pay your loan | 106 | 19.3% |
| Incorrect information on your report | 66 | 12.0% |
| Problem when making payments | 31 | 5.6% |
| Problem with the payoff process at the end of the loan | 30 | 5.5% |
| Getting the loan | 27 | 4.9% |
The outcome the CFPB recorded for each complaint after the company responded.
| Outcome | Complaints | Share |
|---|---|---|
| Closed with explanation The company stated its position; nothing changed for the borrower. | 544 | 98.9% |
| Closed with non-monetary relief A non-cash fix (e.g. a correction or a stopped practice). | 4 | 0.7% |
| Closed Closed with no category recorded. | 2 | 0.4% |
You can withdraw permission for any company to debit your account, and instruct your bank to block the payment. Neither step needs the lender’s agreement, and neither depends on whether you still owe the money.
Top states by complaint volume. Each links to that state’s law page.
| State | Complaints |
|---|---|
| Florida | 82 |
| Illinois | 55 |
| Virginia | 52 |
| California | 33 |
| Texas | 32 |
| North Carolina | 25 |
| Ohio | 22 |
| Arizona | 21 |
Verbatim from complaints filed against Opportunity Financial, LLC in the CFPB database. XX and XXXX are the Bureau’s own redactions of personal details. These are allegations by borrowers, published by the CFPB — not findings, and not necessarily accepted by the company.
OPPORTUNITY FINANCIAL XX/XX/XXXX XXXX XXXX, VA XXXX Phone : ( XXXX ) XXXX Account XX/XX/XXXX XXXX Account Status Closed Charge Off Payment Status Past Due - {$2600.00} Balance Owed {$2600.00} Payment Amount {$0.00} Credit Limit -- This company has shared my personal information with another companywhether by selling it or otherwise…Unable to get your credit report or credit score · complaint filed 2026-06-01
Annual apr is set to 159 %. This is substantially higher than the illinois limit of 36 %. I was unaware at the time of signing that it was so high.Charged fees or interest you didn't expect · complaint filed 2026-05-27
I am filing this complaint regarding an OppLoans loan serviced by Opportunity Financial , LLC and originated through XXXX XXXX XXXX XXXX I am an Illinois consumer, and my loan agreement states that I borrowed {$2000.00} with an annual interest rate of 179.0 %. Based on the agreement, interest accrues daily at 1/365 of the annual rate. On…Unexpected fees · complaint filed 2026-05-26
More complaints does not mean worse. A company serving millions of borrowers will collect more complaints than one serving thousands, whatever the quality of either. That is why the headline figure is a rate — the share of complaints that end with money back — not a count. The rate already adjusts for how many people complained.
A complaint is also an allegation, not a finding. The CFPB does not verify what borrowers write, and neither do we.
The complaint counts, resolution outcomes, issue and state breakdowns on this page come straight from the CFPB Consumer Complaint Database (a public federal dataset of 15,188,499 complaints filed since 2011; retrieved 3 August 2026) and refresh from that API — no editorial judgement is applied to those numbers. The regulatory-action, rent-a-bank and SEC-filing sections, the lender’s classification and description, and the company-name matching are researched and reviewed by hand, and dated where shown.
Complaints are published after the company responds or after 15 days, whichever comes first. The CFPB does not verify borrowers’ accounts, and a complaint is not a finding of wrongdoing. The database is not a statistical sample of all customer experience. Search the full database →
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