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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, Auto loans, 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.
Auto loans, Credit cards, Establishing credit, Payments, Personal loansIf you have a checking or savings account, the easiest way to make your Oportun auto loan payment on time is through automatic payments. You can set up automatic payments by calling 855-754-5491–just have your bank or credit union account and routing numbers handy.
Auto loans, Payments
