The minimum credit score for OppLoans is not specified, but they don't require hard credit inquiries. They are an online lender; they need you to answer a few questions to decide which personal loans you qualify for. They offer free money management courses for borrowers who want to get their finances on track. Their funding time is impressive; you can access cash fast in case of emergencies. They don’t have an application fee or prepayment penalty, which is a relief because some lenders do. They are a viable alternative to short-term predatory loans. However, the loan amount is capped at $ 4,000; if you need more, you should explore other lenders. They have very impressive customer reviews. They have helped over 700,000 customers get access to quick personal loans. The only issue is they operate in 37 states. You have to be in one of the states to get a loan.