OppLoans interest levels. OppLoans caps rates of interest above some state-mandated maximums. The Fair Access to Credit Act caps annual interest rates on loans between $2,500 and $10,000 at about 36%, but OppLoans’ website lists APRs up to 160% for loans in that range in California, for example. expected concerning the discrepancy, a spokesman for the loan provider stated in a declaration so it adheres to law that is federal.Read More →