Great staff! Easy & quick process. Thanks Oportun!
Limited time offer
Secure your loan, secure more funds
You’re preselected to get $2,525 to $15,000 when you use your car title to secure your loan. Enjoy fixed affordable payments and no pre-payment penalties.
Accept your offer today!
Currently only available for select states. Check the loan calculator to see if your state is eligible. See terms
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Loan calculator
Here’s what your secured personal loan terms could look like
Get started by sharing some information
Get prequalified in minutes without affecting your credit score
Here’s what you might expect
Apply once and get two great options
Get started by sharing some information
Start your loan application
Apply once and find out if you qualify
for two loan options
You can apply for both a secured and unsecured personal loan in one application and choose what’s best for you. Secured personal loans have distinct benefits*:
Lower APRs
Compared to traditional title loans
Larger loan amounts
From $2,525 to $15,000 with your car title as collateral
Fast funds
With direct deposit
You must possess your car title and live in a state where a secured personal loan is offered. See state list.
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That sums it up
Still have questions? Here are a few we’ve answered before.
What is a personal loan?
A personal loan provides you with a lump sum of money that is paid back over a set period of time. The money can be used for a number of personal expenses.
What is a secured personal loan?
A secured personal loan is an installment loan that is secured by collateral. At Oportun, you can use your car title as collateral for a secured personal loan. Your car stays with you, and you can continue driving as usual while you make your loan payments.
What factors does Oportun consider when granting a loan?
We know that you are more than just a set of numbers or a credit score. If you have a credit history, we will look at it, but we also consider other information. We may even approve you if you’ve faced bankruptcy.
What type of vehicles are eligible for a secured personal loan?
The vehicle must meet our standards, including:
- 25 model years or newer with fewer than 250,000 miles
- Eligible vehicle makes: Acura, Audi, BMW, Buick, Cadillac, Chevrolet, Chrysler, Dodge, Fiat, Ford, Genesis, GMC, Honda, Hyundai, Infiniti, Jaguar, Jeep, Kia, Land Rover, Lexus, Lincoln, Mazda, Mercedes-Benz, MINI, Mitsubishi, Nissan, Ram, Scion, Subaru, Toyota, Volkswagen, Volvo
- Ineligible vehicle makes: Exotic models, alternative fuel vehicles, electric models, leased vehicles, vehicles registered outside your state of residence, heavy-duty trucks greater than F350/3500 (12K GVW), cargo or conversion vans, commercial or “for hire” vehicles, salvage or branded title vehicles, flood or frame damaged vehicles, and vehicles with replaced or modified odometers