Oplo Secured Loans

  • We've teamed up with the UK's favourite secured loan broker* Fluent Money to help you in your secured loans search
  • Homeowner secured loans usually have to be applied for through a broker using your property as security
  • Compare Oplo (formerly 1st Stop) against other secured lenders using the calculator below

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Loan amount


Repayment term

10 years


home improvements
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Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a loan or any other debt secured on it. Show representative example

    • Oplo logo


      • Initial Rate
      • Total Repayments
      • Monthly Repayments

    Other Secured Lenders

    • Pepper Money logo

      Pepper Money

      • Initial Rate
      • Total Repayments
      • Monthly Repayments
    • Shawbrook Bank Limited logo

      Shawbrook Bank Limited

      • Initial Rate
      • Total Repayments
      • Monthly Repayments
    • United Trust Bank logo

      United Trust Bank

      • Initial Rate
      • Total Repayments
      • Monthly Repayments
    • Equifinance logo


      • Initial Rate
      • Total Repayments
      • Monthly Repayments
    • Together logo


      • Initial Rate
      • Total Repayments
      • Monthly Repayments
    • Norton Home Loans logo

      Norton Home Loans

      • Initial Rate
      • Total Repayments
      • Monthly Repayments
    • Central Trust Ltd logo

      Central Trust Ltd

      • Initial Rate
      • Total Repayments
      • Monthly Repayments
    • Evolution Money logo

      Evolution Money

      • Initial Rate
      • Total Repayments
      • Monthly Repayments

Please note: Loans displayed have a minimum term of 12 months and a maximum term of 360 months. Maximum APRC charged 49.9%.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.

Our comparison service features a selection of providers from whom we receive commission. This table is ordered by initial rate. *Fluent Money completes more secured loans than any other broker.

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Last updated on 09 November 2020.

Oplo FAQ

Who are Oplo?

Oplo, formerly 1st Stop Home Loans, is a limited company and trading name under the 1st Stop Group. It is registered with the Financial Conduct Authority and offers secured borrowing to people who want to access credit that is secured against their property.

What can I use a Oplo secured loan for?

Borrowers usually take out secured loans in order to cover the cost of major purchases or expenses, such as home renovations. Some people also use secured loans as a way of consolidating existing debt. Although this can sometimes help people manage debt, it can also carry risks and can sometimes lead to the debt costing more in the long run, if the debt is extended, increasing the total amount you are required to pay overall.

How is a Oplo secured loan different to a personal loan?

Secured loan providers will often offer borrowers more money over a longer period of time. Interest rates can also be lower. This is because the debt is secured against a property and, therefore, the level of risk to the lender is reduced.

It can also sometimes be easier for borrowers with poor credit to be accepted for secured loans, than a personal loan, because the lender knows they can force the sale of the property to meet the repayments if the borrower defaults.

What are the risks involved with taking out a Oplo secured loan?

As with any secured loan, you stand to lose your property if you cannot keep up with the repayments on your loan. It is, therefore, very important that you consider whether you will be able to meet the repayment responsibilities involved with a secured loan before you take one out. It may be that there are alternatives available to you that involve less risk, such as a personal loan, remortgaging, a credit card with low or no interest on purchases, or even borrowing from friends or family.

Will this comparison table take me through to Oplo directly?

No. NerdWallet works with the broker, Fluent, who help borrowers arrange secured loans with any of our featured providers. Secured loans are generally taken out via brokers who can help guide you in the process of taking out a secured loan.

Am I eligible for a Oplo secured loan?

There are a number of eligibility criteria you will need to meet to be offered a secured loan. Primarily, you will need to be a homeowner with an existing mortgage. You will also have credit checks and affordability checks carried out to ensure you are able to meet the repayment responsibilities and minimise the risk of defaulting.

What should I do if I am struggling to pay back by Oplo secured loan?

You should contact Oplo directly as soon as possible if you’re experiencing financial difficulties. If you contact them before your repayment is due, you may be able to arrange an alternative repayment schedule that helps you avoid default charges and other potential costs. However, if you do miss a payment, your credit score could be affected and the lender may start official collection procedures, which could lead to you losing your home.

Services offered by this provider may change over time. Always check Ts&Cs.

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