OppLoans (OppFi Inc. / Opportunity Financial, LLC)

OppLoans' advertised rates run many times higher than North Carolina allows. You may be owed back double the interest you paid.

See If You Qualify

What You Borrowed* vs. What the Loan Actually Costs*

What You Borrowed*
$2,000 online installment loan (9 months) · 160% APR — North Carolina's ceiling is 16%
$2000.00
What the Loan Actually Costs*
A usurious loan forfeits ALL of its interest, not just the amount above North Carolina's ceiling — and you may recover twice the interest you have already paid
$3551.22
Amount borrowed$2000.00
Interest over the life of the loan+$1551.22
Total you repay$3551.22

Figures shown are illustrative examples, not records of an actual transaction; your amounts may differ.

How It Works

1

Submit your info

Name, email, and a quick description of what happened. That's it — no documents, no hassle.

~60 seconds
2

We build your case

Our legal team reviews your claim and files on your behalf.

Free — no cost to you
3

You get compensated

If your claim succeeds, you receive your share of the recovery. We only get paid when you do.

Contingency: we win together

Check If Your OppLoans Loan Is Illegal

If you have an online personal or installment loan with an interest rate over 16% APR in North Carolina, the loan may be illegal. Fill out this sign-up form to get started for FREE.

Step 1 of 6

Are you a North Carolina resident?

People just like you are fighting back

The entire process with Maginnis Howard was effortless. All our communication was by email and only a few phone calls. Any calls or emails were answered very promptly. I would like to thank Ian and Maginnis Howard. I will highly recommend any dispute that includes an Arbitration Agreement, there could no be a better Firm to represent you!
DB
Daniel B.
Ian is an excellent communicator who knows how to work with these companies to obtain a resolution and get you the best settlement offer possible. I highly recommend Ian and the Maginnis Howard law firm for anyone navigating the arbitration process.
CH
Cheille H.
I'm very grateful for his representation and the result we achieved. If you're facing arbitration and feel overwhelmed or unsure of your rights, I highly recommend Ian Vance and Maginnis Howard. They know how to handle these cases and fight for their clients.
RZ
Ryan Z.

Frequently Asked Questions

Do I have to pay for this?+
You don't pay anything unless we recover compensation on your behalf. Our legal team works on contingency, which means we only get paid if you do.
I signed the contract and knew the rate. Do I still have a claim?+
Yes. A rate ceiling is not a disclosure rule — above the ceiling the interest is unlawful regardless of how plainly the rate was disclosed or how willingly the contract was signed. Interest you already paid is the measure of the recovery.
The loan says another state's law applies. Does that end it?+
No. North Carolina law treats any loan made to a North Carolina resident as made in North Carolina, so a choice-of-law clause cannot be used to escape the state's interest ceiling.
Do I need my loan documents?+
Having loan documents helps, but you can sign up without them. We'll work with you to gather what's needed, and records can be obtained from the lender in the proceeding.
What is Maginnis Howard?+
Maginnis Howard is a consumer protection and personal injury law firm serving clients nationwide. You may find more details about us at www.carolinalaw.com.
Will I have to go to court?+
No, we will file everything on your behalf.
What if I have other questions?+
For all other questions, contact us at unlawfulcharges@carolinalaw.com.

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