Opp Loans executes no credit checks through the 3 major credit bureaus Experian, Equifax, or Trans Union. App licants fico scores are supplied by Clarity Services, Inc., a credit reporting agency. Predicated on customer support reviews on Bing. Testimonials mirror the average person’s viewpoint that will not be illustrative of most specific experiences with Opp Loans. Check loan reviews. Approval may take longer if extra verification papers are required. Not totally all loan needs are authorized. Approval and loan terms differ according to credit dedication and state legislation. Applications processed and authorized prior to 7:30 p.m.