The OppLoans Personal Loan (OppFi) is a personal loan from OppLoans Personal Loan (OppFi). Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is Up to 195% APR (maximum), fixed rate; no minimum APR stated. Typical credit limit: $500 to $5,000, depending on state, income, ability to repay and creditworthiness. Funding speed: same business day. Loan terms: Fixed-rate installment loan; recurring payments by ACH or paper check (term length not stated). This product reports activity to your personal credit report. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Loan amounts $500-$5,000 (varies by state), terms 9-18 months. Very high APR but no hidden fees. Uses Clarity Services instead of FICO.