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% APR
Oportun® Visa® Credit Card

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Get prequalified in minutes without affecting your credit score

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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 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
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From our community

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

Genesha was very professional. She was smiling and welcomed me as i walked in. She was able to answer all my questions. She truly is an amazing person for you to have working at Oportun.

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Kimberly green

from Google

Great costumer service and was able to communicate well, and helping me understand what’s happening. Very much appreciate it. The one that helped me out was named Julia, very sweet and helpful!

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Jenni A.C

from Google

Oportun olympic Fany M.

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Marvin Florian

from Google

Elva was very helpful

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Eden Vargas

from Google

Noemi M. From gilroy was very professional and helpful, she explained the process throughly and clearly. Noemi m has great customer service and people skills, I highly recommend her for service.

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Vincent Munoz

from Google

(Google による翻訳)非常に効率的かつ高速 (原文) Muy eficiente y rapides

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Erika Flores

from Google

Lisset A was excellent, she was very attentive and made the progress very fast and easy

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Kennia Bonilla

from Google

(Translated by Google) Excellent (Original) Excelente

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jesus garcia

from Google

(Google による翻訳)優れた高速サービス (原文) Excelente y rápido servicio

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kary Vargas

from Google

Hector was pretty helpful

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Samuel Ramirez

from Google

(Translated by Google) Excellent, thanks (Original) exelente gracias

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Tomas Morales

from Google

Very good at her job thank you for helping me

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dario woods

from Google
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A+ rating by the Better Business Bureau (BBB)

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Best consumer lending product by Fintech Breakthrough

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CDFI certified by the U.S. Treasury Department

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Join the
2 million customers who trust Oportun. Apply now

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

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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 build a better future? Apply now.

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