Comparing LeadsMarket, OppLoans, and CashAdvance.com – A Consumer’s Guide

LeadsMarket

LeadsMarket is not a lender. It’s an affiliate lead-marketplace that connects publishers (marketers) with lenders. In other words, it helps payday and installment loan companies buy online leads from affiliate websites. Consumers do not borrow directly through LeadsMarket; instead, advertisers use it to send borrower info to lenders. LeadsMarket touts itself as “the leading marketplace for consumer loan leads”leadsmarket.com and even boasts Online Lenders Alliance accreditationleadsmarket.com. It focuses on compliance and monitors affiliate sites for proper disclosures.

● Typical loan amounts & terms: N/A (LeadsMarket itself does not set loan amounts or terms). The affiliates on its network usually promote payday or short-term loans (often a few hundred dollars for the first loan, larger for repeat customers) with very short repayment periods. The actual size and cost of any loan depend entirely on the third-party lender contacted through the lead.

● Credit requirements: N/A (as above). Consumers’ credit is checked by the lenders they get connected to, not by LeadsMarket.
● States: LeadsMarket serves publishers nationwide and has an OLA-accreditationleadsmarket.com, but the loans its partners offer will only be available in states where those lenders are licensed. (Consumers should check lender availability in their state.)
● Trust: LeadsMarket is BBB-rated A+ (though it’s not a consumer service, and not accredited)bbb.org. It’s been in business about 17 yearsbbb.org and is OLA-accreditedleadsmarket.com, which suggests industry compliance. However, any “loan” through it means dealing with unknown lenders. (Always verify the lender’s reputation separately.)
● Pros: It enforces strict compliance for its affiliates, so partner lenders tend to follow legal guidelines. It helps lenders and affiliates connect efficiently.
● Cons: Consumers have no direct control or visibility. If you encounter a form or ad from LeadsMarket, your data may be sold to multiple lenders. You must sift through loan offers and read each lender’s terms (LeadsMarket disclaims that they don’t control fees/interestcashadvance.com). Any loan lead will ultimately be subject to the lender’s high-cost terms.
● Key disclaimers: LeadsMarket does not issue loans. It simply collects your contact info and passes it to lenders or debt-relief advertisers. Consumers should read every loan offer’s fine print, since loan terms (APR, fees, due date) come from the lender, not LeadsMarket.

OppLoans

OppLoans is an online installment lender (through partner community banks) aimed at borrowers with poor or no creditopploans.comopploans.com. You apply on OppLoans’ website; they make decisions quickly and often can fund your bank account the same day if approvedopploans.com.

● Service: OppLoans offers personal installment loans. Unlike payday loans, you repay in fixed monthly installments. There are no hidden fees and applying does not result in a hard credit pull (your FICO® score is not affected by the inquiry)opploans.com.
● Borrow amounts: Typically $500 to $4,000opploans.com, depending on your state and eligibility.
● Loan terms & APR: Terms range about 9–18 monthsopploans.com. APRs are extremely high: roughly 160%–195%opploans.com (the company notes a maximum APR of 195%). For example, a $2,000 loan at 160% APR over 9 months has monthly payments around $395opploans.com.
● Credit requirements: OppLoans says there is no minimum FICO or Vantage score to qualifyopploans.com. Instead, they consider alternative credit data and bank transactions. OppLoans and its partners perform a soft credit pull (no hard FICO hit)opploans.com and also report your payment history to credit bureaus (so on-time payments can improve your credit scoreopploans.com). Proof of steady income and a checking account are usually needed.
● States: OppLoans is not available in all statesopploans.com. (State-specific lending laws mean they skip states like NY, CT, etc.) Check their website for a list of states served.
● Trust: OppLoans is accredited by the BBB with an A+ ratingopploans.com. It also touts strong Trustpilot and LendingTree reviews and has been recognized by industry groupsopploans.com. Overall, it has a solid track record (BBB says business since 2013, A+opploans.com).
● Pros: Accessible to borrowers with poor credit, clear loan structure, and same-day funding potentialopploans.com. No hidden fees and no FICO damage for applying. Payments can help build credit (reports on-time payments)opploans.com. Customer service is generally rated well.
● Cons: Interest rates are very high (still triple-digit APR). Total cost of the loan is expensive (the company itself warns it’s an “expensive form of credit”opploans.com). If you struggle to repay, fees can accumulate. Loans max at $4,000, so not for large expenses. Not all applicants qualify for the best rates (final APR depends on income and risk).
● Key disclaimers: OppLoans clearly states that approval is not guaranteed and applicants will get a rate within their advertised rangeopploans.com. Borrowers should ensure they can afford the payments. Always review the loan contract carefully before signing – OppLoans emphasizes that the borrower’s specific APR and terms are disclosed only at contract timecashadvance.comopploans.com.

CashAdvance.com

CashAdvance.com is not a lender but a lead referral service for short-term loans (typically called cash advances or payday loans). Founded in 1997, it provides a free online form where consumers enter their info. The site then tries to match you with lenders in its networkcashadvance.com. (The site explicitly says it charges no fee and only forwards your request to lenderscashadvance.com.)

● Service: CashAdvance.com connects you to payday or installment lenders. You fill out a secure online form (taking ~5 minutes) and consent to receive offerscashadvance.comcashadvance.com. You then may get one or more loan offers to review. The site stresses it does not issue loans or set rates – each lender you’re connected to provides its own terms and discloses its feescashadvance.comcashadvance.com.
● Borrow amounts: CashAdvance notes cash advance loans typically range from $200 to $10,000cashadvance.com (smaller loans are common). The actual amount you can borrow depends on lender and state.
● Loan terms & APR: These loans are very short-term (often 2–4 weeks, up to a few months). Interest is extremely high. For example, one scenario on CashAdvance.com shows borrowing $200 for 14 days with a $30–$60 fee, yielding a 391% to 782% APRcashadvance.com. Another example for a $200/30-day loan shows about 352.8% interest (2120% APR)cashadvance.com. In practice, advertised rates often run hundreds to over a thousand percent APR. CashAdvance.com provides a slider tool showing how a $500 loan might cost $575–$650 over a very short period (APR 782%–1546%)cashadvance.com.
● Credit requirements: CashAdvance.com itself does not perform credit checkscashadvance.com. Many payday lenders in its network will have minimal requirements (often just a checking account and a stable income). Because it’s a lead service, your credit profile is typically not pulled by CashAdvance – but any lender you connect with might do a soft inquiry. Non-payment can be reported to credit bureaus by the lendercashadvance.com.
● States: Availability is governed by state payday-loan laws. CashAdvance.com has a State Info section where you can click your state and see whether cash advances are allowed, along with limits and licensing infocashadvance.com. (Some states, like New York and many in New England, prohibit payday loans outright.) Be aware that if loans are illegal in your state, you won’t actually get an offer.
● Trust: CashAdvance.com is a member of the Online Lenders Alliance (OLA) and has been around over 25 yearscashadvance.comcashadvance.com. However, its BBB profile is less favorable: it is not accredited and carries only a C+ ratingbbb.org. There are a few BBB complaints on record (some unresolved) and mixed user reviews. The model of cash-advance lending itself is controversial due to costs.

● Pros: It can quickly connect you with multiple lenders (saving time searching). The form is encrypted and quick to completecashadvance.com, and filling it does not harm your credit score. Multiple lenders bidding can help if one denies you.

● Cons: The loans found through CashAdvance.com are extremely expensive. APRs are typically much higher than 100% (often cited in the 300–1000% range)cashadvance.comcashadvance.com. If you default or rollover the loan, fees mount quickly. Because it’s an ad-supported site, you may also get marketing calls/emails. Many consumer-advocacy sources warn against payday loans except in dire emergencies.
● Key disclaimers: CashAdvance.com repeatedly cautions that these cash advances should be short-term emergency solutions onlycashadvance.comcashadvance.com. The site says “short-term loans should only be used as a last resort” and encourages users to explore alternativescashadvance.com. It also emphasizes that all fees/terms will be disclosed by the lender at signing, and borrowers can cancel if unsatisfiedcashadvance.comcashadvance.com.

Responsible Borrowing Warning: All of these options are designed for short-term, emergency funds – not as long-term financial solutions. Short-term loans carry very high feescashadvance.comcashadvance.com. Always read every term and fee before accepting any offer. Compare offers carefully, and consider safer alternatives (like borrowing from friends/family, a credit union, or using a credit card) if possible. If in doubt, seek financial counseling.