Online loans
designed for you.

Q: How much can I apply for?

Consumer products offered through the TheLending website range from $500 to $4,000, but your eligibility will depend on your state of residence, your income and ability to repay, and your creditworthiness. For more information about the product options and lender(s) in your state, please visit our Rates and Terms page .

Same-day funding available¹
Personal service
No hidden fees

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Testimonials reflect the individual's opinion and may not be illustrative of all individual experiences with TheLending.

Our Loan Application Process

Applying does NOT affect your FICO® credit score!²

Tell Us About Yourself

Fill out our fast and easy online loan application.

Verify Your Income

Securely connect your bank account.

Get a Quick Decision

We’ll use the information you provide to see if we can find you a match.

Same-Day Funding Available

If approved, you may receive money in your account as soon as the same business day!¹

Apply Now

Learn More

FAQs

What are the eligibility requirements to apply for an online personal loan?

The first step in applying for a loan through TheLending is to fill out our online loan application. To be eligible for a lending product through TheLending, potential borrowers must:

Be 18 years or older
Have a bank account (checking account or saving account)
Reside in one of the states in which we currently operate
Have a regular source of income (Income can be from employment or from benefits including Social Security, Disability, etc. Please note: alimony, child support, or separate maintenance income is optional to include)
Receive income through direct deposit

How much can I apply for?

WHAT WE OFFER FOR OUR LOANS   we truly care about your success. That’s why we’ve created this exclusive offer, allowing you to access the funds you need with unmatched affordability and speed. Limited documentation required -No prepay penalties -Only Documentation fee needed  -Funding time frames as fast as two (2) days -No real estate collateral is required -No credit check  -3 Months to 10 years max  -Daily or Weekly Payment options
-Same Day Approvals
-Funds Directly Deposited Into To Your Bank
-Easy, Large Approvals
-LOW RATES
-Flexible Terms
-Everyone can Apply -Loan Amount $2500 to $200,000,000, Million Max
• No need to prove income
• No interest for 6-12 months
• Doesn’t affect your credit
• No down payment .

How are TheLending online personal loans different?

We truly care about our customers and work hard to be flexible for each of our customer's unique situations. We want to make sure borrowers get the best loan from one of our bank partners made through the TheLending Lending Platform.

Unlike some financial institutions (and quite unlike payday loans⁵), bank partners don't charge origination fees or prepayment fees on loans originated through the TheLending Lending Platform. Loans originated through the TheLending Lending Platform charge simple, fixed rate interest and contain no hidden fees.

Loans made by our bank partners through the TheLending Lending Platform do not base funding decisions exclusively on FICO credit scores or credit history.

Further, TheLending reports payments to all three major credit bureaus to help borrowers in good standing build their credit history.⁶

What is an online personal loan?

Online personal loans are unsecured installment loans offered by some online lenders and traditional banks. Broadly, online credit products may take the form of a line of credit, a cash advance, or other loan options.

Online personal loan offers should clearly disclose the loan's APR (annual percentage rate), the term, and any fees such as finance charges.

What can you use an online personal loan for?

Online personal loans can be used for a wide variety of family and household purposes. Maybe you're looking for a loan to help consolidate debt from multiple credit cards, or maybe you need to fund an expensive home improvement or car repair. Also, if you're looking to turn bad credit into good credit, the right online personal loan may help you do that.

TheLending customers have used their loan amounts for:

Whatever your reason for searching online lenders (and whether you have excellent credit, bad credit, or you land somewhere in the middle), there are terms and conditions of the loan that you'll want to understand. Borrowers should always be clear on the interest rate, repayment terms, and whether or not the lender will run a hard or soft credit check.

How does repayment of a personal loan work?

TheLending believes in matching borrowers with the best possible loan for them. If we're able to provide you with an online personal loan product, we want to make sure your repayment options are both clear and affordable across the life of the loan term.

TheLending offers multiple recurring payment options including ACH and paper check options. For single payments, debit cards are also accepted.

For more details, see our FAQ: How Can I Repay My Online Personal Loan?

Why TheLending Is Right For You

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Easy to Apply

Our online application process is convenient and only requires personal and employment information for quick and easy completion.

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Same-Day Funding Available

If approved, you may receive money in your account as soon as the same business day!¹

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Loan Support At Every Step

Our top-rated Loan Advocates are available to provide support at every step of the application process. We succeed when you do!

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Safe and Secure

We are dedicated to protecting your information and communications with advanced 256 bit encryption technology.

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Transparent Process

We supply you with an easy-to-read schedule with predictable payments and the ability to set up automatic payments.

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Build Credit History

We report your payment history with us to the three major credit bureaus, so every on-time payment you make may help boost your credit history.⁶

check_circle

Easy to Apply

keyboard_arrow_down

Our online application process is convenient and only requires personal and employment information for quick and easy completion.

event_available

Same-Day Funding Available

keyboard_arrow_down

If approved, you may receive money in your account as soon as the same business day!¹

support_agent

Loan Support At Every Step

keyboard_arrow_down

Our top-rated Loan Advocates are available to provide support at every step of the application process. We succeed when you do!

vpn_lock

Safe and Secure

keyboard_arrow_down

We are dedicated to protecting your information and communications with advanced 256 bit encryption technology.

folder_open

Transparent Process

keyboard_arrow_down

We supply you with an easy-to-read schedule with predictable payments and the ability to set up automatic payments.

account_balance

Build Credit History

keyboard_arrow_down

We report your payment history with us to the three major credit bureaus, so every on-time payment you make may help boost your credit history.⁶

Read What People Are Saying

The testimonials on our third-party review websites reflect the individual's opinion and may not be illustrative of all individual experiences with TheLending.

Making Personal Finance Approachable

The TheLending Money Guide: A Financial Management Tool

Pick up best practices for managing finances, from budgeting for all types of households to dealing with income challenges.

How to Survive and Budget When You’re Making Minimum Wage

Finding extra money to put aside isn’t easy when you’re working a minimum wage job, but that doesn’t mean you can’t do it.

‘Should I Buy This?’ A Financial Flowchart for Smart Spending

Are you a smart spender? These 5 questions will make you one.

LCR-4319

California Disclosures and Privacy Policy | California Consumers can opt-out of the sale of personal information by clicking Do Not Sell My Personal Information.

Applications submitted on TheLending' website will be originated by one of our lending partners. All loans originated by our lending partners will be serviced by TheLending.

¹Subject to credit approval and verification. Actual approved loan amount and terms are dependent on standard underwriting guidelines and credit policies. Funds may be deposited for delivery to your bank via ACH as soon as the same business day if verification is completed and final approval occurs before 12:00 PM CT on a business day. If approval occurs after 12:00 PM CT on a business day or on a non-business day, funds may be delivered as soon as the next business day. Availability of the funds is dependent on how quickly your bank processes the transaction.

²TheLending may use credit report information provided by Clarity Services and Experian as part of the application process to determine your creditworthiness. Neither credit inquiry will appear as a hard credit inquiry on your Experian credit report and therefore they will not affect your FICO score.

⁵According to the Consumer Federation America, a non-profit consumer advocacy group, payday loans range in size from $100 to $1,000, depending on state legal maximums, and carry an average annual percentage rate (APR) of 400%. The maximum APR for a loan offered through and serviced by TheLending is 179% and loan sizes range from $500 to $4,000. https://paydayloaninfo.org/how-payday-loans-work/

⁶TheLending reports customer payment history to the three major credit bureaus. On-time payments may improve credit score.

USA PATRIOT ACT NOTICE: IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

If you have questions or concerns, please contact the Opportunity Financial Customer Support Team by phone at (619) 320-5243, Monday – Friday, 7 a.m. – 11:30 p.m. and Saturday and Sunday between 9 a.m. – 5:00 p.m. Central Time, or by sending an email to info@thelending.pro.

California Residents, view the California Disclosures and Privacy Policy for info on what we collect about you.

By clicking Continue, you will be taken to an external website that is not operated or managed by OppFi. Please be advised that you will no longer be subject to, or under the protection of, OppFi's privacy and security policies. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of OppFi. Further, OppFi is not responsible for and does not endorse, guarantee, or monitor content, availability, viewpoints, products, or services that are offered or expressed on external websites.

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Online loans designed for you.

Our Loan Application Process

FAQs

What are the eligibility requirements to apply for an online personal loan?

How much can I apply for?

How are TheLending online personal loans different?

What is an online personal loan?

What can you use an online personal loan for?

How does repayment of a personal loan work?

Why TheLending Is Right For You

Easy to Apply

Same-Day Funding Available

Loan Support At Every Step

Safe and Secure

Transparent Process

Build Credit History

Read What People Are Saying

Making Personal Finance Approachable

The TheLending Money Guide: A Financial Management Tool

How to Survive and Budget When You’re Making Minimum Wage

‘Should I Buy This?’ A Financial Flowchart for Smart Spending

Online loans
designed for you.