OppLoans vs Personify Financial

	Featured
Feature	OppLoans OppFi Inc.	Personify Financial Applied Data Finance, LLC d/b/a Personify Financial
Rating	4.0	3.9
Loan Type	installment	installment
APR Range	129% - 195%	36% - 179.5%
Loan Amount	$500 - $5,000	$500 - $15,000
Term Length	9 - 18 months	12 - 48 months
Pros	Lower APRs than typical payday lenders Installment structure (predictable monthly payments) Reports to credit bureaus (helps build credit history) No prepayment penalty	Looks beyond your credit score at income and banking history No application fee, and no penalty for paying off a loan early Funds available as soon as the next business day after you sign Reports payment history to the credit bureaus, plus monthly FICO Score access at no added cost
Cons	APRs still very high vs traditional personal loans Not offered in about a dozen states (check eligibility) Higher loan amounts come with longer commitments	APRs run up to 179.50%, at the top of the range for any installment lender Origination fee of up to 5.99% is added to the balance on most loans, so you pay interest on it too Only active in 27 states — many of the largest states aren't on the list Uses a bank-partner structure that consumer advocates and at least one lawsuit have challenged
Requirements	At least 18 years old US citizen or permanent resident Active checking account Verifiable income (recurring direct deposit preferred)	At least 18 years old Valid, active checking account Verifiable income Valid email address and government-issued ID for identity verification
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