Partner with us today to build a better tomorrow

Affordable loans, services, and support designed to help you through life’s financial ups and downs


The Oportun difference

Life isn’t always easy, but when we work together, we make life better. At Oportun, we’re building a community of employees, customers, and partners to connect you with the financial services and support that can help you today and open up new opportunities tomorrow. From personal loans to financial resources, we can help. So let’s get started.


Let us lend a hand

We’re committed to helping you build a better future—and we have the products, services, and programs to get you there.

Personal loans

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

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Auto loans

We help make car buying simple—so you can find the car that’s right for you.

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Credit cards

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

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Financial resources

We’ll put you in touch with UnidosUS for free financial coaching.

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Local partners

Our partner, SpringFour, can help you discover nonprofit and government services near you.

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All products

Voices from our community

Every time you go into Oportun, they make you feel like family. They will also help you with your credit score.


Voices from our community

I was tired of all the nos. Once I found out about Oportun, all that went away. There’s not a no. There’s a yes. Approved. You’re qualified.


Voices from our community

The help that Oportun has given me will always stay in my heart. They always give me a chance. They never fail me.


Voices from our community

The loan was easy. The people were friendly. I do feel like a part of the community.


Voices from our community

I think having good credit in the U.S. is indispensable. Thanks to Oportun, they gave me the opportunity to start building my credit and reach my goals.


New from Oportun: Auto loans

Now you can get an auto loan with Oportun

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

  • Financing from $5,000 to $30,000
  • Purchase from a dealership or private seller
  • Design your loan terms
  • Apply from your phone or computer
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We want to see you succeed—and we have the products and resources to support you along the way

An affordable approach to borrowing

Our affordable payments are structured to fit within your budget. On average, our customers save $993 on their first personal loan when they choose Oportun over other available alternatives.

Establishing a credit history helps put you in control

Unlike other alternative lenders, we report customer accounts to nationwide credit bureaus, so you can begin to establish credit history and open the door to a new world of opportunities. We’ve helped more than 830,000 people without a FICO score begin establishing credit history.

Fast, budget-friendly help when you need it

We make it easy for you to succeed. Our processes are quick and convenient, and we don’t even require a credit score to apply.

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We are committed to helping you take control of your finances, and we have the tools and resources to get you there.

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Can I be prequalified without impacting my credit score?

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.

Applications, Auto loans, Personal loans

How does Oportun help me build a credit history?

Unlike other alternative lenders, we report your account behavior to nationwide credit bureaus. Each month, we let them know whether you’ve made your account payments on time and in full. You can establish positive credit when you make your requested payments on or before your due date, pay more than what is requested, or pay your account in full.  It generally takes at least six months to establish an initial credit score.

If you miss payments or make late or incomplete payments, we also report that to the credit bureaus. Such behavior can negatively impact your credit score.

The lender for the Oportun Visa Credit Card is WebBank, Member FDIC, which is who reports your account behavior to nationwide credit bureaus.

Auto loans, Credit cards, Establishing credit, Payments, Personal loans

What is the easiest way to make my personal loan payments?

If you have a checking or savings account, the easiest way to make payments on your personal loan is through auto pay. Log in, visit a location, or call us at 866-488-6090 to enroll in auto pay. Have your bank account and routing numbers handy.

Payments, Personal loans
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