Personal loans & credit cards

Affordable credit for people like you

Personal loans $300 to $10,000
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35.99% APR cap
12-48 months to repay

Credit cards $300 to $1,000
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24.90% to 29.90% APR
Oportun® Visa® Credit Card

Get prequalified in minutes without affecting your credit score

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

Learn more

A card without the stress

Credit lines from $300 to $1,000

For shopping online or anywhere

No security deposit required

Even if you don't have credit history

Zero fraud liability

Safeguard your wallet

Learn more

From our community

They’ve given us 50,000 5-star reviews on Google

Buen servicio Cristina

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Jorge Ramirez

from Google

Cruza was an amazing help! Quick and easy

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Karen Ortega

from Google

Me encanta tu servicio son muy amables

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Aurora Rojas

from Google

Excelente servicio y asesoría. La Srita. Lorena tiene excelente atención, es muy amable. Estoy muy a gusto. Gracias.

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from Google

Muy profesional yudeymis

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Luis Cano

from Google

Excelente servicio de parte de las muchachas y muy rápido

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Agustin Santiago

from Google

Me gustó mucho la atencion que brindaron y la explicación que me dieron muchísimas gracias

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Manuel Diego Bautista

from Google

Ms. Giselle C. has great customer service! She took care of me and got me squared away. Definitely would recommend!

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Raven Landaverde

from Google

Buen servicio de Cristina grasias

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Samuel Trujillo

from Google

(Översatt av Google) Utmärkt betjäning (Original) Excelente servicio

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vantroich reyes

from Google

(Översatt av Google) Utmärkt betjäning (Original) Excelente servicio

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from Google


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Lisbeth Villasmil

from Google

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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1.9 million people who trust Oportun. Apply now

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Causes we care about


United Way Worldwide

American Red Cross

American Civil Liberties Union Foundation, Inc

DIY Girls / Social and Environmental Entrepreneurs

I2G at University of California, Merced

AltaMed Health Services Corporation

Asian Americans Advancing Justice

Chicanos Por La Causa

Cool Effect, Inc

Latino Community Foundation

Financial Health Network

UnidosUS: Financial Coaching Program

SpringFour: Financial Wellness Resource Program


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.

More questions

Ready to make it happen? Apply now.

Personal loans Credit cards

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