The OppLoans Personal Loan (OppFi) is a personal loan from OppLoans Personal Loan (OppFi). Application typically pulls a credit report from Experian. The annual fee is $0. The ongoing APR is 195%. Rewards: No origination or prepayment fees. Reports to all three major credit bureaus. Soft check pre-qualification via Clarity Services.. Typical credit limit: $500 - $5,000. Funding speed: same business day. Loan terms: $500 - $5,000. 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.