Meetyour money goals

Our smart solutions help strengthen your finances and give you confidence

Photo of an Oportun customer reviewing her loan options on her phone and noticing all the other financial solutions we offer

Personal loansFrom $300 to $12,000 with APRs no higher than 35.99% | Loan amounts vary

Apply now

Credit cardsGet $300 to $1,000 with the Oportun® Visa® Credit Card

Apply now

Savings New!Save effortlessly and get help reducing overdrafts

Learn more

Investments New!Smart investing based on your financial goals

Learn more

Get prequalified in minutes without affecting your credit score

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

Illustration of the Digit budget dashboard and a happy woman

We make financial health effortless for everyone

5 Star Google Reviews - Oportun

60,000 5-star reviews

9 of 10

members would refer friends to Oportun

Personal loans for people like you

From $300 to $12,000

For bills, repairs, deposits, and more

Fast funding

With direct deposit

Affordable payments

That fit your budget

Learn more
Illustration of Oportun's personal loans application and image of a happy male customer

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
Image of smiling woman showing an Oportun visa card in her hand

Savethe easy way

Effortless savings

A little here, a little there... we'll save in a way you won't even notice

Unlimited goals

Set up specific savings goals and we'll help set aside money regularly to get you there

Helps reduce overdrafts

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

Learn more
Illustration of Oportun's savings app and an image of a happy female customer

We have 60,000 5-star reviews on Google and Trustpilot

View reviews

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

Joaquin B.

from Google

This place is a great place to Start building credit. I’ve recommended many friends. I my self have taken out a few loans with them and the Staff are always supper friendly.

Cynthia G.

from Google

The whole process was extremely easy and pleasant. The staff representative was very informative, helpful and compassionate. 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

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
today

Personal loans Credit cards Savings

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

Self-eSTEM

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 Savings

We use cookies to bring you the best experience on our site. We never sell your information to third parties. When you use our site, you agree to our cookies policy. Find out more.