Partner with us right now to build an improved the next day

Affordable loans, solutions, and help built to assist you to through life’s financial ups and downs


Life is not constantly simple, nevertheless when we come together, we make life better. At Oportun, we’re building a community of workers, customers, and lovers in order to connect you with all the services that are financial support that will help you today and start brand new opportunities the next day. From signature loans to money, we can assist. So let’s get going.


We’re dedicated to assisting you build an improved future—and we now have the items, solutions, and programs to help you get here.

Unsecured loans

Get an affordable loan, quickly—no credit score required.

Automotive loans

We help to make vehicle buying simple—so you will find the motor automobile that’s right for you personally.

Credit cards

The Oportun Card is coming. Have actually an offer or need to know more?


We’ll put you in touch with UnidosUS at no cost monetary mentoring.

Regional lovers

Our partner, SpringFour, will allow you to find out nonprofit and federal government services in your area.

Voices from our community

Each time you get into Oportun, they generate you feel family members. They shall also allow you to together with your credit rating.

Sounds from our community

I became exhausted of the many nos. When i then found out about Oportun, all that went away. There’s not a no. There’s a yes. Approved. You’re qualified.

Sounds from our community

The assistance that Oportun has given me will constantly stay static in my heart. They constantly give me personally the possibility. They never fail me personally.

Voices from our community

The mortgage ended up being effortless. The individuals had been friendly. I actually do feel just like a right component associated with community.

Sounds from our community

I believe having good credit in the U.S. is indispensable. Compliment of Oportun, I was given by them the possibility to begin to build my credit and achieve my objectives.

Brand New from Oportun: Automobile Financing

Now an auto can be got by you loan with Oportun

For you every step of the way whether you want to purchase a vehicle from a dealership or a private seller, we’ll be there.

  • Financing from $5,000 to $30,000
  • Invest in a dealership or seller that is private
  • Design your loan terms
  • Apply from your own computer or phone

Get the full useful content story


You want to see you succeed—and the products are had by us and resources to aid you on the way

An affordable method of borrowing

Our payments that are affordable organized to fit completely within your allowance. An average of, our clients save your self $993 to their first loan that is personal they choose Oportun over other available options.

Establishing a credit rating helps place you in charge

Unlike other alternate lenders, we report consumer records to nationwide credit agencies, to help you start to establish credit rating and start the entranceway to a brand new realm of possibilities. We’ve helped a lot more than 830,000 individuals without having a FICO score start credit history that is establishing.

Fast, budget-friendly help when it’s needed

We allow it to be simple for one to succeed. Our processes are convenient and quick, therefore we don’t also demand a credit history to make use of.


Our company is devoted to assisting you assume control of one’s funds, and now we have actually the various tools and resources to enable you to get here.


May I be prequalified without impacting my credit history?

Yes. You, we run a soft credit pull, which does not impact your FICO В® credit score when we prequalify.

Whenever a decision that is final made on the application, we operate a difficult credit pull, which could impact your credit history. Find out more about hard and soft credit pulls.

How exactly does Oportun assist me build a credit score?

Unlike other alternate lenders, we report your account behavior to nationwide credit agencies. Each thirty days, we inform them whether you’ve made your bank account repayments on some time in complete. You are able to establish credit that is positive you make your requested payments on or before your due date, spend a lot more than what exactly is required, or pay your bank account in complete. It generally takes at the least 6 months to ascertain a credit score that is initial.

We also report that to the credit bureaus if you miss payments or make late or incomplete payments. Such behavior can impact your credit negatively rating.

The financial institution when it comes to Oportun Visa bank card is WebBank, Member FDIC, that is whom reports your bank account behavior to nationwide credit reporting agencies.

What’s the easiest method to produce my own loan re re payments?

When you yourself have a checking or family savings, the way that is easiest to produce re payments on your personal bank loan is through automobile pay. Join, see a place, or give us a call at 866-488-6090 to sign up in auto pay. Have your bank account and routing figures handy.

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Oportun signature loans are for sale in 12 states. View state licenses and disclosures.

  • California loans made pursuant to a California Financing Law permit.
  • Nj-new jersey residents: this really is an ad for the consumer loan.
  • New Mexico residents: TO REPORT A CHALLENGE OR COMPLAINT WITH THIS PARTICULAR LENDER, YOU MAY POSSIBLY WRITE OR CALL: Reese Willard, Sr. Manager, Customer Enjoy, Oportun, PO Box 4085, Menlo Park, CA 94026. This loan provider is licensed and regulated because of the New Mexico Regulation and Licensing Department, finance institutions Division, PO Box 25101, 2550 Cerrillos path, Santa Fe, brand New Mexico 87504. The Division by telephone at 505-476-4885 or visit the website to report any unresolved problems or complaints, contact.
  • NMLS #1671904 Follow this link when it comes to NMLS customer Access Database

Oportun’s terms that are website privacy, and security policies don’t apply to outside sites we guide. Please review those sites due to their terms, privacy, and protection policies to observe how they connect with you.

The Ventiva В® prepaid Visa card is given by MetaBank В® , Member FDIC, pursuant up to a permit from Visa U.S.A. Inc.

Oportun В® Visa В® charge card is released by WebBank, Member FDIC. Real account terms derive from application information and creditworthiness, that can vary.

While a previous credit rating is not essential to qualify, Oportun will request and consider credit reports for all applicants. Oportun reports account re payment history to nationwide credit reporting agencies.

Loans at the mercy of credit approval. Terms can vary greatly by applicant and state and are usually subject to alter.

Signature loans: the utmost loan quantity differs by state, and loans above $6,000 are available to qualified returning clients just.

Automobile financing: To qualify for an automobile purchase loan or even refinance your auto that is current loan you really must be 18 yrs old and have a home in California. Loans are at the mercy of credit approval and terms can vary by applicant and state. You need to fulfill our credit demands, including an assessment of the credit rating (when you yourself have one) and capacity to repay the mortgage, and, for the refinance, recognition of the auto tradeline that is qualifying. We’re going to also consider carefully your performance on any existing or oportun that is prior. Extra conditions may use, such as for instance automobile make, age and mileage. Prequalification will perhaps not influence your FICO rating using the nationwide credit scoring agencies, before you distribute for last approval. While a prior credit score is not essential to qualify, Oportun will request and consider credit reports for many candidates. Prequalified clients can pick from available loan terms according to application information. Automobile cost needs to be between $5,000-$30,000. Refinance loans permitted from $5,000 to $35,000.

You can lower your monthly payment, but you will pay interest over a longer period of time and the overall cost of your loan may be higher if you refinance for a longer term than your existing auto loan.