We’ve all been there. Too much month and not enough paycheck. And then life happens and hands you another big ol’ bill. Suddenly, there you are, up the proverbial creek without a paddle in sight.

Something has got to give.

It’s tempting to consider taking out a payday loan or a title loan—or just letting the bank overdraft your account and let the chips fall where they may.

And for a while, those were your only options—especially if your credit was less than stellar. Your only choice was to pick the least worst and live with the punishing consequences. Until OppLoans.

OppLoans can swoop in and offer you a paddle, not beat you over the head with it.

Consider These Predatory Loan Options

When your car conks out, rent falls behind, and medical bills pile up, there’s only so long you can put them off. You need to keep the creditors from calling and pay up. But when your account is bone dry, you may think your only option is to rack up exorbitant fees or succumb to these predatory loans:

Payday Loans

Payday loans offer fast cash, but at a hefty price and a quick repayment period. These unattractive terms can lead even the most careful and well-intended borrowers into a repeat borrowing pattern that is hard to get out of. And at an APR of up to 400%, you’ll be paying a pretty penny for it.

Title Loans

Your car may not exactly be a status symbol, but it gets you from A to B. And while you may not be able to sell it for much, it might be tempting to put it up as collateral for a title loan. But the APR on those is crazy high, like 300%, and a shocking 1 in 5 people end up losing their car.

OppLoans for Fast Cash

OppLoans is different than the other loan options that are available to you.

Prompt Approval

OppLoans knows that when most people turn to them, they need quick cash. So, the process of applying and learning if you’re approved is easy and super-fast—you’ll find out in minutes. Knowing help is on its way can ease your worries and take a little weight off your shoulders.

Fast Cash If you are approved, you will receive the money in your account as soon as the next business day. There is no messing around, so you can get your financial life squared away and move on to the really important things.

Affordable Payments

OppLoans are available at higher loan amounts and a lower APR than payday loans, title loans, or bank overdrafts. With APRs between 99-199% and terms of up to 36 months, you can manage your repayment terms so you can afford them.

Build Your Credit History

Borrowing through OppLoans may help you improve your credit history. Since they report payments to TransUnion, if you make your payments on time, you can help build up your credit score.

When you’re financially stuck, have poor credit, and need cash fast, you may think that predatory loans are your only option. OppLoans can be a saving grace offering lower APRs, affordable payback terms, and an opportunity to build your credit. Find out how you can apply and in minutes and if approved, get cash in your account as fast as tomorrow.