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

Get prequalified in minutes without affecting your credit score

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Special offer!

Get one year of
effortless saving
for FREE

We teamed up with Digit to make it easy to manage your money. Digit is a super simple app that helps save, invest, and may prevent overdraft fees.
Log in to claim offer

We are waiving Digit’s fee for eligible Oportun members for a full year (a $60 value).
Learn more

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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
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A credit card without the stress

Credit lines from $300 to $1,000

For shopping online or anywhere

No security deposit fees required

Even if you don't have credit history

Zero fraud liability

Safeguard your wallet

Learn more
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Save, invest &put your money to work

Effortless saving

To meet your goals

Simple investing

With an expertly balanced portfolio

Help reduce overdrafts

Get transfers that help bring your bank balance back to a safe level

Learn more
Illustration of a customer's savings goals and how far Digit has helped them come in reaching the goals

We have 50,000 5-star reviews on Google

View reviews

This place is a great place to start building credit. I’ve recommended many friends. I myself have taken out a few loans with them and the staff are always super friendly.

Cynthia G.

from Google

The whole process was extremely easy and pleasant… I was able to take care of the emergency that came about with Oportun!! I will recommend them to my family and friends. Happy first time customer.

Claudia M.

from Google

I love this place. Better rates than payday loans places and convenient payments. The staff is awesome too.

Joaquin B.

from Google

A+ rating by the Better Business Bureau (BBB)

FinTech Breakthrough logo

Best consumer lending product by Fintech Breakthrough

CDFI logo

CDFI certified by the U.S. Treasury Department

Image of Oportun customer smiling when he was approved for a loan

Become an
Oportun member

Personal loans Credit cards Save & invest

Join our community for access to free benefits

Get financial advice

From trained financial coaches

Discover services

That could save you money

Find jobs

And increase your income

Learn more

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.

Ready to make it happen? Apply now.

Personal loans Credit cards

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