Everyone deserves access to affordable credit
We have 50,000 5-star reviews on Google
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.
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.
I love this place. Better rates than payday loans places and convenient payments. The staff is awesome too.
A+ rating by the Better Business Bureau (BBB)
Best consumer lending product by Fintech Breakthrough
CDFI certified by the U.S. Treasury Department
Join our community for access to free benefits
Get financial advice
From trained financial coaches
That could save you money
And increase your income
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.