Partner with us today to build a better tomorrow

Personal loans, credit cards, and community support

WHAT WE OFFER

We’re making credit affordable, accessible, and good for your financial future

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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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 Flores
7 Hours ago
Thank you to Omar and Ashley for helping me out!!!Read more
Edwin Amezcua
8 Hours ago
Yesenia and nadchiele were a very good help and one the nicest lady's to help on future with credit and helped.me a lot on my loanRead more
Helen Choto
1 Days ago
Emmanuel helpful professional the best thank you Emmanuel I will recommend my people to go whit you.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

Payment sizes are small to fit your budget and payoff time is long in case you need it, plus we never charge pre-payment penalties

Building your credit history helps put you in control

We’ve helped more than 870,000 people without a FICO score begin establishing credit history for the very first time

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, Personal loans

How fast is the application process for a personal loan?

We 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 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.

Credit cards, Establishing credit, Payments, Personal loans
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