Partner with us today to build a better tomorrow

Affordable loans, services, and support designed to help you through life’s financial ups and downs

WHAT WE DO

The Oportun difference

Life isn’t always easy, but when we work together, we make life better. At Oportun, we’re building a community of employees, customers, and partners to connect you with the financial services and support that can help you today and open up new opportunities tomorrow. From personal loans to financial resources, we can help. So let’s get started.

WHAT WE OFFER

Let us lend a hand

We’re committed to helping you build a better future—and we have the products, services, and programs to get you there.

Personal loans

Get an affordable loan, quickly—no credit score needed.

Learn more

Auto loans

We help make car buying simple—so you can find the car that’s right for you.

Learn more

OportunPath

Get fast, friendly help between paychecks.

Learn more

Financial resources

We’ll put you in touch with UnidosUS for free financial coaching.

Learn more

Local partners

Our partner, SpringFour, can help you discover nonprofit and government services near you.

Learn more
All products

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

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

New from Oportun: Auto loans

Now you can get an auto loan with Oportun

Whether you want to purchase a vehicle from a dealership or a private seller, we’ll be there for you every step of the way.

  • Financing from $5,000 to $30,000
  • Purchase from a dealership or private seller
  • Design your loan terms
  • Apply from your phone or computer
Learn more

WHY OPORTUN

We want to see you succeed—and we have the products and resources to support you along the way

An affordable approach to borrowing

Our affordable payments are structured to fit within your budget. On average, our customers save $1,000 on their first personal loan when they choose Oportun over other available alternatives.

Establishing a credit history helps put you in control

Unlike other alternative lenders, we report customer accounts to nationwide credit bureaus, so you can begin to establish credit history and open the door to a new world of opportunities. We’ve helped more than 730,000 people without a FICO score begin establishing credit history.

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.

Learn more

Resources

We are committed to helping you take control of your finances, and we have the tools and resources to get you there.

All resources

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 we are ready to make a final decision on your loan application, we run a hard credit pull, which can impact your credit score. Learn more about hard and soft credit pulls.

Applications, Auto loans, 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 paid your loan payments on time and in full. You can establish positive credit when you make your requested payments on or before your due date and pay off your loan 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.

Auto loans, Establishing credit, Payments, Personal loans

What is the easiest way to make my loan payments?

If you have a checking or savings account, the easiest way to make your Oportun loan payments on time is through automatic payments. You can set up automatic payments by calling 866-488-6090 or by visiting an Oportun store—just have your bank or credit union account and routing numbers handy.

Auto loans, Payments, Personal loans
All questions