Oplis

What Oplis does

Oplis is a privately held consumer installment lender founded in 2008 and headquartered in Summerville, South Carolina. The company operates four brick-and-mortar installment loan stores within South Carolina, providing in-person small-dollar credit products to retail borrowers. Its employee base is stated at 51-100 people, and its operating leadership consists of President and Executive Officer Kevin Allred and Vice President of Business Development Joe Shull.

The company's business model is built around physical-store installment lending rather than digital origination. No technology stack, product disclosures, pricing, partnerships, or certifications are documented in the available source material, and the corporate website (oplisloans.com) returned only a browser security challenge during research, limiting visibility into underwriting processes, loan terms, or operational metrics. There are no disclosed funding events beyond a 2015 record of $0 (unknown investors), no parent company, no M&A activity, and no app or API presence, indicating a small-scale, traditional lending operation rather than a fintech-enabled platform.

Revenue mechanics are not disclosed but, by industry convention, would consist of interest income and fees on originated installment loans, with revenue concentration driven by loan-book size, average ticket, and repeat-borrower rates. The company's single-state footprint, small branch count, and limited public visibility constrain both its addressable market and its defensibility against larger multi-state installment lenders and online competitors.

Name

Oplis

Website

https://oplisloans.com

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

51–100 employees

Short description

Oplis is a privately held, South Carolina-based installment lender operating four brick-and-mortar loan stores, serving retail consumer borrowers with in-person small-dollar credit products since 2008.

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Sales Financing (52222)

akta.pro primary industry

Omnichannel POS Financing (Unified Online + In-Store) (FSAKAFAE)

Keywords

• Installment loans
• Consumer lending
• Retail lending
• Personal loans
• Brick and mortar lending

Headquarters

HQ city

Summerville

HQ country

United States

HQ region

North America

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Core offering

Oplis is a consumer installment loan provider operating four brick-and-mortar retail loan stores in the state of South Carolina. The company underwrites and originates installment loan products directly to individual borrowers through its physical branch network.

Differentiator

Problem solved

Functional benefit

Products and services

• Installment Loans Personal installment loans originated to individual consumers through Oplis's four brick-and-mortar stores in South Carolina; borrowers repay principal plus interest and fees via scheduled installment payments.

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves3 records

Expansion highlights2 records

Direct peers

• World Acceptance Corporation: Public installment lender operating brick-and-mortar stores across the U.S. serving non-prime consumers with personal installment loans — directly comparable to Oplis's business model, only at much greater scale.
• Regional Management Corp. Operates a network of installment loan branches across the southeastern U.S., including South Carolina. Closely comparable to Oplis in target customer, product set, and physical distribution strategy.
• Mariner Finance: Private installment lender with a multi-state branch footprint offering personal installment loans to consumers with limited credit access. Highly comparable in-store underwriting model and target customer.
• Heights Finance: Operates installment loan branches across the U.S. offering personal installment loans to non-prime borrowers. Directly comparable retail installment model, though with broader geographic spread than Oplis.

Broad incumbents

• OneMain Holdings: The largest U.S. installment lender with a national branch network serving non-prime consumers. Comparable product and customer base, though vastly larger and operationally diversified relative to Oplis.
• PROG Holdings: Provides lease-to-own financing solutions for consumers, often through physical retail partner locations. Comparable end-customer (credit-constrained) and consumer-finance orientation, though structured as lease rather than installment loan.
• EZCORP: Operates pawn stores and offers small-dollar consumer loans. Comparable brick-and-mortar consumer-finance model and similar credit-constrained customer base, with broader product mix.
• FirstCash Holdings: Large pawn/specialty consumer lender with a multi-state retail footprint. Similar brick-and-mortar small-dollar consumer credit model, though primarily collateralized pawn rather than installment.
• CURO Group Holdings: Provides non-prime consumer credit through both retail branches and online channels. Comparable installment and line-of-credit products to underbanked consumers across multiple U.S. markets.

Emerging players

• Enova International: Digital-first consumer and small-business lender. Comparable in target customer (non-prime borrowers) and installment-style loan products, but distributed online rather than through physical branches like Oplis.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat2 records

Key risks6 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/profile.php

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Oplis