Personal loans & credit cards

Affordable credit for people like you

Personal loans $300 to $10,000
Apply now

35.99% APR cap
12-48 months to repay

Credit cards $300 to $1,000
Apply now

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

Elizabeth my recommendation she is very good ,so lovely,very patient 😊

profile picture

Cory Duncan

from Google

Katherine Was the best she was working alone this day I came in and she managed that line and clients professionally she deserves a raise!!❤️

profile picture

Linda Pena

from Google

Great location, extremely helpful

profile picture

Blurryface N7

from Google

un excelente servicio, muy eficaz y rápido

profile picture

Poulette villarreal-banderas

from Google

It was fun ms.adamaris was very helpful 🙂

profile picture

Ronis Mendoza

from Google

Juan Gabriel amable, proceso sencillo

profile picture


from Google

Excelente atención, muy rápido todo el trámite y súper flexibles en los pagos

profile picture

Renato Carrasco

from Google

Buen servicio que me dieron los empleados bien amables volvería a regresar muy buen ambiente

profile picture

Gilma Zapata

from Google

Me atendieron rápido y amables todas y sra Neira me ayudó y así puedo repara mi casa

profile picture

Arnulfo Ortiz

from Google

Excelente servicio, todo rápido recomendado 100% Sebastian fue un excelente asesor.. muy profesional.

profile picture

Joselyn Nadal

from Google

I really did enjoy the timely professional svs from Jazmine and Vannessa @ the MacArthur Park location.

profile picture

William Chestnut

from Google

Recomiendo esta localidad muy serviciales y Yudeymis me atendió es magnífica

profile picture

Juan Francisco Perez

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

Join the
1.9 million people who trust Oportun. Apply now

Join our community for access to free benefits

Get financial advice

From trained financial coaches

Discover services

That could save you money

Find jobs

And increase your income

Learn more

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

We use cookies to bring you the best experience on our site. We never sell your information to third parties. When you use our site, you agree to our cookies policy. Find out more.