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
A credit card without the stress
Credit lines from $300 to $1,000
For shopping online or anywhere
No security deposit fees required
Even if you don't have credit history
Zero fraud liability
Safeguard your wallet
Save, invest &put your money to work
Effortless saving
To meet your goals
Simple investing
With an expertly balanced portfolio
Help reduce overdrafts
Get transfers that help bring your bank balance back to a safe level
We have 50,000 5-star reviews on Google
This place is a great place to start building credit. I’ve recommended many friends. I myself have taken out a few loans with them and the staff are always super friendly.
The whole process was extremely easy and pleasant… I was able to take care of the emergency that came about with Oportun!! I will recommend them to my family and friends. Happy first time customer.
I love this place. Better rates than payday loans places and convenient payments. The staff is awesome too.
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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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.