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What happens if I have a bad credit history? Depending on the solvency analysis system of the lender that was chosen as the best option for you, your credit history may affect the decision to grant or deny your credit application.
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In any case, we recommend that you do your research in our comparator and apply for your loan. On many occasions, loans are granted normally and without major incidence. Why was my application not approved? OppLoans offers you free search and comparison of personal loans. The process of analysis and approval of your request is made by the chosen lender. Each of them has an acceptance process.
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They can analyze your credit history, carry out a solvency test and check the delinquent lists. But the reason why your application was not approved can only be answered by the chosen entity. We recommend you contact them to find out exactly the reason and solve it.
If I already have an active loan, can I quote another one in OppLoans? Yes of course. We remind that OppLoans offers the service of search and comparison of credits; So, if you think you will not have difficulty handling and returning a new loan, there is no reason not to use our services.
How long will it take to receive the loan? All part of the approval and sending of the credit is the responsibility of the lenders, so, we can not tell you with certainty how long it will take to receive the money. So, likewise, we can not assure you that they will approve your credit request at all.
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However, we can give assurance that the analysis processes are extremely fast. Once you confirm your request in OppLoans, the chosen entity answers in up to 15 minutes and sends the balance in a couple of hours. Sometimes, the process may have exceptions and take a little longer, but never more than 24 hours.
How can I apply for a new loan when I have already paid the first one? Our loan comparison is always available and you can request a new loan in the same way as the first one.
Our loans solve all your needs from a quick credit to face an unexpected payment to personal loans for the repair of your house.
How can I return the loan? Each of the providers that are our partners has their process and they will send you all the information so that you can make the payment without problems.
The repayment of the loan is very easy and can often be done by direct transfer, credit or debit card or cashier deposit in the indicated bank account.
Stay tuned for the information of the lender and make the payment on the correct date thus avoiding more surcharges.
How long can I take to repay the loan? You can choose to repay your loan from 5 to 30 days. But, we ask that before confirming your request, read carefully the contractual terms of the chosen entity.
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OppLoans is not responsible for any breach. What happens if I do not return my loan? Before confirming your credit request with the chosen lender, read with care and attention the contractual obligations regarding the delay or failure to pay.
It varies from each one of the credit agencies, but, normally, they put you in the cadastre of defaulters, like ASNEF, for example, and they can take legal measures to receive their payment.
We emphasize that the taking of personal loans is a great responsibility, that is why we ask you to be sure in the fulfillment of the payment in value and term. What happens with weekends and holidays? OppLoans is available 24 hours a day throughout the year, so you can do your loan research with us whenever you need it.
What do I do if I have a complaint? We are delighted to offer you the best service and service, always. But, if, unfortunately, you were not satisfied with us, or even if you have a compliment or feedback to present us, OppLoans has the most varied means of communication, so that you can choose what is most convenient.
At what times can I contact the OppLoans Customer Service? Our Customer Service team is available from Monday to Friday from 10 a.m. to 9 p.m. During office hours, you can also call our Customer Service.
Is OppLoans the right solution for me? If the unexpected happened and you need quick money, there is no doubt that OppLoans is the definitive solution for your urgent liquidity problem. Here we show you why:
- Flexibility: You choose the value you need (between 50 and 1,000 $) and when you would like to return it (from 5 to 30 days).
- Save money: we research the best and most recognized lenders and present you with the best credit option.
- Save time: 100% online process No queues, no endorsement, no payroll, no paperwork.
- Technology: we use thousands of data points and our cutting-edge technology to search for loans with maximum speed, discretion, and security. There are no hidden or additional expenses or small letters: the service is completely transparent and allows you to see the total cost of your quick credit before validating the request. Answer in just 15 minutes from the credit agencies, once you confirm the order.