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

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From our community

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

Viviana assisted with my loan...She's fabulous. It was my first time here. She explained every step in the process/ in a timely manner. Excellent customer service skills. I will definitely be recommending her and this company. addition to taking care of me..she also helped about 4 other customers 😀

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Suzanne Hahn

from Google

Fast and nice services 👌

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from Google

Mayra hooked it up it whole process only took me as long 10 minutes

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anthony chacon

from Google

Liliana and Lorena were very helpful, professional and friendly. Thank you so much 😊

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Paula Castellanos

from Google

Customers satisfaction guaranteed . great company .

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from Google

I love the environment, the workers are very resourceful. I was able to get a loan it. After I tried 2 other establishment that wasn't that helpful.....Opportun is the place to go👍🏽

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Anthony Horsley

from Google

Jasmine is very professional and pleasant she explained everything about the loan terms and policy. I felt very at ease in signing for this loan. Jasmine is confident and efficient. Thank you Oportun

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Deborah Anderson

from Google

Great service! Thank you Itati and Martin. Everyone apply with this code : JSERDR4169

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Jose Luis Rodriguez

from Google

Val was the best ever. She took time to explain everything and was able to answer all of my questions. My loan amount went up and I was paid the same day thanks for everything. 😁😁😁

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from Google

Love them awesome service I had a amazing experience … !!!! Thank you for helping my best friend and mother they really needed

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Selena Smith

from Google

Staff was patient and valued me as a client. Process was fast and great experience.

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Deanora Esparza

from Google

Jesús was very friendly and had a good knowledge of what he was doing. It was great service.

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André Cisneros 00

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

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

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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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