Affordable loans, credit cards, and support on your path to a better future

Partner with us today to build a better tomorrow

A LENDER WHO CARES

We believe the path to a better future starts with credit. So we’re making credit affordable. No credit score? No problem. Let’s get started.

WHAT WE OFFER

Personal loans

Affordable personal and secured personal loans—no credit score needed to apply.

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Credit cards

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

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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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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

WE'RE COMMITTED TO OUR COMMUNITY

Don’t just take it from us. Our customers have given us more than 50,000 5-star reviews on Google.

Maria Castillo
15 Hours ago
Nancy Alarcon has a great personality and very well at explaining the process. Thank you for your great customer service.Read more
Salvador. Perez.
17 Hours ago
Ms.caterine Exelente muy Buena atendimiento.le doy 5 Estrellas. gracias.Read more
louie hernandez
19 Hours ago
Claiudia was our representatives and she was the best!!! Very professional!!Very fast service!!! Will highly recommend my friends and family!!Read more

Voices from our community

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

Jerry

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.

Eduardo

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.

Angelita

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.

Enrique

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.

Amelita

Why Oportun

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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QUESTIONS

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 auto loan payments?

If you have a checking or savings account, the easiest way to make your Oportun auto loan payment on time is through automatic payments. You can set up automatic payments by calling 855-754-5491–just have your bank or credit union account and routing numbers handy.

Auto loans, Payments
All questions