Personal loans & credit cards

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

Get prequalified in minutes without affecting your credit score

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

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

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From our community

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

Excellence service and great price thanks Oportun

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Blanca Angel

from Google

Brenda was very helpful on assisting me

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Leobardo Munoz

from Google

(Translated by Google) Excellent service (Original) Excelente servicio

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Francisco javier Mata carrizalez

from Google

Buen services, Lisset Arcia may amable y Profesional, se kos recomiendo, excellent lugar

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Sergio garnica

from Google

La atención fue inmejorable y el señor Sebastiana hace dominio de su trabajo por lo que les es fácil y rápida la atención brindada. Gracias

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Felix Machado

from Google

Gracias Teresa por su amabilidad para explicarnos sobre el préstamo me gustó su entosiasmo

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Elmer Aguilar

from Google

The ladies form Montana Location are super professional. Highly recommended

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Jasmine Rubio

from Google

(Google による翻訳)すばらしいサービス (原文) Excente servicio

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Lorenzo Almaguer

from Google

Buena atención al cliente y mucha amabilidad de parte de las muchachas en especial de Lisset A 👍🏻

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Flakis Martinez

from Google

I came into the store to get some information about personal loans. The girls there were so nice helped me by offering me their loan options available. I walked out with a loan best fit for me. Thank you so much for your help!

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Lesly Rodriguez

from Google

Excelente servicio muy rápido y sencillo...Sebastian muy amable y explícito...muy contenta con esta compañía!!

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Anette E Ramirez

from Google

La mejor persona en atenderme josseling

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Roberto Escalante

from Google

A+ rating by the Better Business Bureau (BBB)

Best consumer lending product by Fintech Breakthrough

CDFI certified by the U.S. Treasury Department

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1.9 million people who trust Oportun. Apply now

Join our community for access to free benefits

Get financial advice

From trained financial coaches

Discover services

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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 make it happen? Apply now.

Personal loans Credit cards

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