OppLoans provides personal loans to help people who might need a little extra cash. They offer easy payment options like setting up automatic recurring payments through ACH or paying by paper checks, and debit cards are accepted for one-time payments. There's no extra fee to start a loan or pay it off early, and they keep everything clear with simple fixed-rate interest and no hidden charges. If you get billed by OppLoans, it's likely for a personal loan payment you set up with them.
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Cancellation requires contacting OppLoans customer support at least two business days prior to the payment due date either by phone or email, which is straightforward but requires advance notice and depends on customer service availability.
Estimated Time
On average, it takes
10 minutes
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minutes to cancel a OppLoans Payment subscription.
How to Cancel OppLoans Payment: Step by Step
If you purchased through OppLoans:
- Visit the OppLoans Contact Us page.
- Fill out the contact form with your account details.
- In the message, clearly state that you wish to cancel your subscription or membership.
- Submit the form and wait for a response from the customer support team. They will confirm the cancellation.
Tips & Tricks for Canceling OppLoans Payment
- Contact customer service early, ideally a few days before the payment due date, to avoid transactions being processed.
- Use clear, assertive language such as "Please cancel my subscription/payment immediately and confirm cancellation in writing."
- Request a written confirmation of cancellation via email or text for documentation.
- Keep a paper trail of all communication for potential disputes.
- If digital cancellation fails, call directly to speak with a representative and escalate if necessary.
- Leverage your bank's stop payment option for preauthorized payments if the company is uncooperative.
- Timing matters: initiate cancellation well ahead of the billing cycle to account for processing delays.
- Escalate persistently: if initial reps do not help, ask for supervisors or higher-level management.
- Dispute charges through your bank or credit card if unauthorized payments continue despite cancellation attempts.
OppLoans Payment Customer Service Info
If you need assistance, here's how you can get in touch with OppLoans Payment's support team.
Cancel OppLoans Payment Script
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Dear OppLoans Team,
I hope this message finds you well. I am writing to formally request the cancellation of my subscription with OppLoans. Due to recent changes in my financial situation, I am unable to continue with my current billing plan. I appreciate the services you provide, but at this time, I must prioritize my budget and financial commitments.
Please confirm the cancellation of my subscription and any final steps I need to take. Thank you for your understanding and assistance.
Best regards,
Frequently Asked Questions
OppLoans allows you to cancel a debit card payment by contacting them at least two business days before your payment due date to accommodate bank processing times. Additionally, you can cancel an existing settlement agreement if needed, either to make an alternate arrangement or pay off your balance in full. Early repayment is also allowed without fees.
To cancel your subscription or payment with OppLoans, you need to contact them directly at least two business days before your payment due date, but there is no explicit indication that you must provide your password to do so. Often, payment cancellations can be initiated through customer service without requiring login credentials. However, if you need to log into your account to manage or cancel payments yourself, you will need your password. If you've forgotten your password, you can reset it at this password reset page: https://secure.opploans.com/auth/password/new
- Stuck in a cycle of repeated refinancing and borrowing more money just to make minimum payments, causing financial and emotional stress.
- Perceived predatory lending practices, with some customers requesting loans to be voided or forgiven.
- High annual percentage rates (APRs) exceeding 160%, allegedly violating state interest rate caps.
- Lack of transparency in loan terms, leading to customers feeling trapped in a debt cycle.
- Rejected requests for settlements or interventions such as lump sum settlement or interest assistance, causing frustration and feelings of being trapped.
- Billing issues related to payment processing or charges.
- Complaints about customer service regarding loans and repayments.
- Concerns about the loan servicer's communication and resolution of issues.
- Some borrowers cancel due to financial hardship despite offered hardship programs, finding repayment still unmanageable.
OppLoans does not impose prepayment or early cancellation fees, and you can repay your loan or make additional payments at any time without penalties. However, if you want to cancel a scheduled payment via debit card, you need to contact them at least two business days before the payment due date to prevent the payment from processing. Overall, there are no contracts or lock-ins preventing you from canceling or paying off your loan early, but be mindful of the timing if you want to stop a scheduled debit card payment.
Before cancelling your OppLoans payment or loan repayment, it's important to know that cancelling doesn't stop the loan or the obligation to repay. If payments are stopped or missed, interest will continue to accrue, increasing the total amount owed. Nonpayment may lead to your account being transferred to third-party debt collectors, and this debt likely won't return to OppLoans, which could affect your credit. Additionally, settled loans reported as settled for less than the full amount may negatively impact your credit standing. If you are struggling with payments, contacting OppLoans Advocates for help before cancelling is recommended.
- Full name associated with the OppLoans account
- Account number (often begins with “LAI-” and found in the customer portal or contract documents)
- Email address used for account registration
- Phone number on file with OppLoans
- Address tied to the account
- Loan application or agreement details (if applicable)
- Proof of identity such as driver’s license, especially if locked out or required to verify account ownership
- Signed Power of Attorney (if a third-party representative or debt management company is acting on behalf of the account holder)
- SSN (Social Security Number) or ID documentation, if required to recover account access or verify identity
- Payment method and banking information (to identify and verify payments for cancellation)
- Contacting customer support directly by phone or email is typically required to process cancellation requests
- Notice from third-party collector (if the account has been transferred to collections; contact the collector using the info provided in the notice)
We've actually written a step by step guide on how to get a refund from OppLoans Payment. Check it out!
The Easiest Way to Cancel OppLoans Payment
If you’re frustrated trying to cancel your subscription, membership, or bill from OppLoans Payment—or if you didn’t even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or email account, and we’ll take care of the rest.
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Editorial Note: These articles reflect the opinions of Chargeback's writers. Everyone's situation is unique; therefore, it is important to conduct your own research and note that our self-help tools are not guaranteed to help with any specific problem.
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