We’re making credit affordable, accessible, and good for your financial future.
Every day, we go to work to help people like you build better lives. That’s why we donate one percent of our time and net profits to charitable programs and organizations whose work aligns with our own mission.
Learn moreYes. 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, Credit cards, Personal loansWe know your time is valuable and we’re committed to providing you with fast service. Prequalification takes only minutes and will not impact your FICO® credit score. The full application process typically takes under 10 minutes if you supply the correct documentation. Most approved applicants receive their funds the same day they apply.
Applications, Personal loansUnlike 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.
Credit cards, Establishing credit, Payments, Personal loans
