Does NOT affect your credit score!

UP2PAAR – Customer Financing Program

About the process

How to Apply – You begin by entering the state in which you reside below. If you are in a qualifying state, you will begin completing the short application form.

Once you have submitted the form, the system will submit your application and request loan offers.  Approved loan offers will be presented within about 30 seconds.  You can then select the offer you want and complete the loan verification and signing process.  Approved applicants may have funds deposited into their checking account in as little as 24 hours.

[LoanMgr partner_id_code=”1112″]

OPTION 1 - For credit ABOVE 585


  • Loan terms 24-48 months.
  • 13.99%-34.99% APR* based on credit.
  • Loan amounts $2,000-$25,000*.
  • A loan origination fee of up to 6% may apply.

*APR stands for Annual Percentage Rate

OPTION 2 - For credit BELOW 585


  • Loan terms from 9-24 months (some states have different min and max loan terms).
  • Loan amount $1,000-$4,000 (some states have different min and max loan amounts).

*APR stands for Annual Percentage Rate

*If you have an issue with the above form, please email [email protected] describing your issue and someone will research and respond to help you.

The operator of this website is not a lender, and does not make personal loans or credit decisions. This website does not constitute an offer or solicitation to lend. This website will submit the information you provide to a lender. Providing your information on this website does not guarantee that you will be approved for a personal loan.

OPTION 1 – All loans are made by LendingPoint, LLC. Loan approval is not guaranteed. Actual loan offers, loan amounts, terms and annual percentage rates (“APR”) may vary based upon LendingPoint’s proprietary scoring and underwriting system’s review of your credit, financial condition, other factors, and supporting documents or information you provide. Origination or other fees from 0% to 5% may apply depending upon your state of residence. Upon LendingPoint’s final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. LendingPoint makes loan offers from $3,500 to $25,000, at rates ranging from a low of 15.49% APR to a high of 34.99% APR, with terms from 24 to 48 months. A $10,000 loan with an origination fee of 5% for a period of 24 months with an APR of 24.21% would have a payment of $529.80 per month (Actual terms and rate depend on credit history, income and other factors). The total amount due under the loan terms provided as an example in this disclaimer is $12,733.32. The total amount due is the total amount of the loan you will have paid after you have made all payments as scheduled.

† Funding occurs after final loan approval and receipt of all required documents. The approval process may take longer if additional documents are requested. Approval and loan terms will vary based on credit determination and state law.

‡ Funds are often sent via ACH the next non-holiday business day.

OPTION 2 – In Florida all installment loans are originated by FinWise Bank, a Utah chartered bank, located in Sandy, Utah, member FDIC.
CA residents: Opportunity Financial, LLC is licensed by the Commissioner of Business Oversight (California Financing Law License No. 603 K647).
DE residents: Opportunity Financial, LLC is licensed by the Delaware State Bank Commissioner, License No. 013016, expiring December 31, 2018.
NV Residents: The use of high-interest loans services should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction.
OH & TX residents: Opportunity Financial, LLC is a Credit Services Organization/Credit Access Business that arranges loans issued by a third-party lender. Ohio Credit Services Organization Certificate of Registration No. CS.900195.000.

OppLoans performs no credit checks through the three major credit bureaus Experian, Equifax, or TransUnion. Applicants’ credit scores are provided by Clarity Services, Inc., a credit reporting agency.

* Approval may take longer if additional verification documents are requested. Not all loan requests are approved. Approval and loan terms vary based on credit determination and state law. Applications processed and approved before 7:30 p.m. ET Monday-Friday are typically funded the next business day.

Rates and terms vary by state. An example of an OppLoan is $1,000 with 17 bi-weekly payments of $81, and an APR of 99%.