OppLoans treats our customers and employees like family. Join us and receive amazing employee benefits like. Our famously-friendly Loan Advocates are here for you! Call us up and let us answer your questions and help you get the money you need now. According to the Consumer Federation of America, a non-profit consumer advocacy group, the payday loans carry an average APR of 400%. The maximum APR for a loan offered by OppLoans is 199% depending on the state legal maximums.