- Government-issued ID (from most countries)
- Proof of address, such as gas and electricity bills
- Proof of income, such as paystubs
- A list of your recurring monthly debt payments
Your money goals are our goals
$300 to $10,000 affordable loans to reach your full potential. Your new financial journey starts here.
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Get prequalified in minutes
without affecting your credit score
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Check out what else Oportun has to offer:
We’ve made some friends along the way
Our smart solutions in the palm of your hand
The Oportun app helps you set your goals and save without thinking about it.
Standard data charges may apply.
Personal loans for all kinds of goals
From $300 to $10,000
For bills, repairs, deposits, and more
Fast funding
With direct deposit
Affordable payments
That fit your budget
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What could your loan payments look like?
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Get prequalified in minutes without affecting your credit score
Here’s what you might expect
Apply once and get two great options
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Start your loan application
Set & SaveTM helps you save without thinking about it
A savvier way to save
Set up your savings goals and we’ll start working toward them
Smart amounts, saved here and there
Set & Save learns your spending habits and intelligently moves money to a savings account for you
Our members save over $1,800 a year on average*
It really does add up fast
A+ rating by the Better Business Bureau (BBB)
#1 savings app of 2024 by Bankrate
CDFI: Certified by U.S. Department of the Treasury
Get savvy about money
That sums it up
Still have questions? Here are a few we’ve answered before.
What documentation do I need to apply for a personal loan?
Our personal loan application process is quick and easy. The process usually only takes around 10 minutes to complete once you’ve gathered the required documents.
To apply for a personal loan, you’ll need to provide the following documents:
Can more than one person sign for a personal loan?
You may be able apply for a personal loan through Oportun with a cosigner in certain situations. We’ll let you know when you apply if you’re eligible.
A cosigner is someone who adds their name to your personal loan application. This is typically a close friend or family member. You’ll want to choose a cosigner who has a high credit score. Your cosigner’s credit history can strengthen your personal loan application and increase your chances of getting approved.
It’s important to understand that your cosigner can be held responsible for your personal loan payments if you don’t make them on time. Their credit score will also be impacted by the credit activity on your personal loan account. For these reasons, it’s important to make your personal loan payments on time.
Can I be prequalified without impacting my credit score?
Getting prequalified won’t impact your credit score. A prequalification only requires a soft inquiry of your credit report. Soft inquiries allow lenders to see some information from your credit report without impacting your credit score.
If you choose to submit a formal application, a hard credit inquiry will be conducted. Hard inquiries can impact your credit score. Learn more.
