The Optus Bank All Credit Levels is a cdfi lender from Optus Bank. Application typically pulls a hard report from Equifax. Approval typically requires a credit score of 700+ or higher. Optus Bank is a Community Development Financial Institution (CDFI) based in Columbia, SC, focused on providing financial services to underserved communities. The bank offers a range of lending products, including business loans, personal loans, and mortgages, aimed at supporting low-income individuals and minority-owned businesses. Services include: business loans, personal loans, mortgages. US Treasury certified CDFI Bank/Thrift in Columbia, SC.