To qualify for a loan with Oplis Financial, we will require:
You are at least 21 years old
You are a US citizen or permanent resident
You are currently employed and/or have a verifiable source of income of $800 or more per month
You have an open and active checking account
You have a valid phone number and email address
Oplis Financial offers installment loans from $625 to $2000. Each applicant will qualify for an amount within this range based on your income.
Upon approval, your funds will be electronically deposited into your checking account overnight on the next banking day.
The application should only take about 10 minutes to complete.
Within a few minutes, you will receive an email letting you know if you have been pre-approved.
Oplis will not perform a credit check through the three main credit bureaus. Alternate means will be performed to determine credit worthiness but will not affect your credit score.
Our maximum allowable interest rate allowed by the state is 400%, however, our interest rates are typically much lower. The Annual Percentage Rate (APR) is the cost of the loan as a percentage of the amount borrowed and converted to an annual rate.
Oplis loans and Payday loans are completely different. Oplis offers installment loans, which means that you can pay back your loan with manageable payments over time. As you make these payments, both interest and principal are paid down until the loan is completely paid in full.
For loans under $1,000, Oplis offers a 12-month payback and for loans $1,000 or more the payback term is 18 months. These terms keep the payments manageable and you always have the ability to pay extra or payoff the loan early with no penalties.
With Oplis there are no pre-payment penalties.
Paying off your loan early will save you finance charges since interest is charged on a daily basis on the outstanding principal.
Oplis will schedule your first payment on your pay cycle. For instance— every other week, semi-monthly, or monthly.
Absolutely. Oplis will either call, text or email you prior to your payment date. This will be your opportunity to let us know if the funds will or will not be available on that date.
When Oplis contacts you for reminder of a payment, please respond back on the date you would like the payment made.
Oplis has several options to make your payment
Automatic Draft: Payment is drafted out of your account on the prearranged date to ensure payment is received on time.
Debit/Credit Card: Oplis has the ability to save your card information for the purpose of making your payments
Money Order, Cashiers Check or Certified Check: These payments can be made to address below. If you choose to make your payment this way, please allow for the time it will take to be delivered. Send these payments five (5) days in advance to ensure an on time payment.
4530 Ladson Rd - Suite 12
Summerville, SC 29485
You can either send an email to firstname.lastname@example.org or call us at 866-204-6086.
If you need to make any changes to your profile, such as your phone number, address, bank information, etc., contact us by phone at 866-204-6086.
If we receive your payment later than your due date, interest will accrue and delay the pay off of your loan. If a payment is returned NSF, you will be charged a $25 fee. Always try to make your payments on time, but if you need to make any changes to your payment date, please respond to our reminder attempt at least 24 hours in advance.
In most cases, Oplis can make payment arrangements so that you do not have to default on your loan. You will need to contact us to make these arrangements. However, if you do not make a payment within ninety (90) days, you will be considered in default according to your loan agreement. We reserve the right to collect the amount owed in numerous ways including legal action.