Personal loans & credit cards

Affordable credit for people like you

Personal loans $300 to $10,000
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35.99% APR cap
12-48 months to repay

Credit cards $300 to $1,000
Apply now

24.90% to 29.90% APR
Oportun® Visa® Credit Card

Get prequalified in minutes without affecting your credit score

Everyone deserves access to  affordable credit

Personal loans for people like you

From $300 to $10,000

For bills, repairs, deposits, and more

Fast funding

With direct deposit

Affordable payments

That fit your budget

Learn more

A card without the stress

Credit lines from $300 to $1,000

For shopping online or anywhere

No security deposit required

Even if you don't have credit history

Zero fraud liability

Safeguard your wallet

Learn more

From our community

They’ve given us 50,000 5-star reviews on Google

(Translated by Google) Happy (Original) Contento

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jorge ca

from Google

Really good service Lluviana Nava helped me go through my aplicación and explained everything to me step by step. I would really recommend this place.

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Yazmin Estrada

from Google

Thanks to Alexandra Lopez for helping me , great customer service she explained everything so I could understand it .. we need more personal like her great smile and service.. Rosa nunez

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BROKXN on xbox

from Google

Thank very much for the help of Jesus and Azucena

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from Google

Quick and to the point and got my loan of 500 easily.

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Official Notes

from Google

Ana B was the best she is very knowledgeable!

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jhonatan alvarez

from Google

Good attitude

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Epifania Aquino

from Google

She helped me out a lot thank you great customer service

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Stephanie Guerrero

from Google

Thanks to Maggie she was very helpful

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Claudia Enriquez

from Google

(Translated by Google) Service (Original) Servicio

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Santos Morales

from Google

Use code: JRGMRA372

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Jorge Castillo

from Google

They are the besttttt especially Angelica and Raul!!! Very helpful and friendly!

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Ashley Contreras

from Google

A+ rating by the Better Business Bureau (BBB)

Best consumer lending product by Fintech Breakthrough

CDFI certified by the U.S. Treasury Department

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1.9 million people who trust Oportun. Apply now

Join our community for access to free benefits

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From trained financial coaches

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Causes we care about


United Way Worldwide

American Red Cross

American Civil Liberties Union Foundation, Inc

DIY Girls / Social and Environmental Entrepreneurs

I2G at University of California, Merced

AltaMed Health Services Corporation

Asian Americans Advancing Justice

Chicanos Por La Causa

Cool Effect, Inc

Latino Community Foundation

Financial Health Network

UnidosUS: Financial Coaching Program

SpringFour: Financial Wellness Resource Program


Be prepared to share the following documents:

  • A valid photo ID, such as a driver’s license, passport, consular ID card, or a non-U.S. ID card (we accept from most countries)
  • Proof of income, such as current paystubs or current bank statements
  • Verification of address, such as a piece of mail with your name and address (cannot be a PO box)
  • Up to four personal references, which can include friends, family, or employers

Yes, in some instances we do accept cosigners. Cosigners should be aware that becoming obligated on another person’s loan is treated as a debt obligation, and that person will be responsible for the loan if you do not pay it off.

Yes. When we prequalify you, we run a soft credit pull, which does not impact your FICO® credit score.

When a final decision is made on your application, we run a hard credit pull, which can impact your credit score. Learn more about hard and soft credit pulls.

More questions

Ready to make it happen? Apply now.

Personal loans Credit cards

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