Pay smarter from your pocket.

Download the Opy app today.

No hidden fees. No cards. No plastic.

It’s quick and easy. Download our app to create an account and apply for a quick credit decision.

Quick and easy.

Download our app to create an account and apply for a quick credit decision.

Download and sign up.

To get started you’ll need to be at least 18 years old, live within eligible U.S. states and have the following:

  • U.S. mobile number
  • Email address
  • Social Security number or ITIN

You pick your plan.

Take control of how you pay with our flexible plans.

  • Find a plan that works for you
  • Pay in up to 24 monthly installments 1
  • Choose your repayment date

Take control and keep track in the app.

Pay smarter, manage plans, and track your payments. All from one easy app.

Manage plans like a pro.

Use our app to stay on top of spending and in control of your plans.

  • View upcoming payments
  • Keep track of repayment dates
  • Receive helpful payment reminders
  • Pay off plans early if you want to (without penalties or fees)

Why wait?
It’s time to pay smarter.

Get the Opy app now.

Download the app

1Loan options vary depending on eligibility and purchase amount. Eligibility based on your credit history and subject to a credit check, which will not impact your credit score. Due at checkout is an initial payment of 5% of your purchase price and a non-refundable plan establishment fee, which is equal to 0.5% of the purchase price. Monthly maintenance fee applies. Example of repayment based on a $2,000 purchase price: Loan plan amount of $1,890 for a 24-month term with a $87.20 monthly payment and an annual percentage rate (APR) of 9.98%. Fees are used to calculate the APR and in no event will the APR exceed 9.99%. Loan plans (fixed-rate, installment loans) through Opy USA Inc are made by Cross River Bank, Member FDIC. © Opy USA Inc 2021.