READY TO BUY A CAR?

See if an auto loan is available near you*

Apply online

Getting prequalified won’t impact your FICO® credit score

AUTO LOANS THAT WORK FOR YOU

Whether you want to purchase a vehicle from a dealership or a private seller, we’re here to help you navigate the details so that you can focus on the things that really matter.

  • Loans of $5,000–$30,000
  • No credit history needed to apply
  • Save time at the dealership
  • Skip a trip to the DMV
  • Friendly support in English and Spanish

We offer auto loans only in California now, but that will change soon. See if an auto loan is available near you.

Apply online

How it works


Apply
Get prequalified in minutes and personalize your terms


Find your car
Send us the car information and upload documents


Sign online
Finish your application and pick up your car

WE HELP MAKE AUTO FINANCING SIMPLE

Getting started

Apply online to see if you’re prequalified. If you are, use our loan configurator to personalize your terms so your monthly payment fits your budget.

We’re on your team

An auto loan with Oportun is more than a loan. Our team of auto specialists is available to answer questions and help you understand your financing. We’ll even mail your registration so you can avoid a trip to the DMV.

Committed to making life better

Auto financing shouldn’t keep you from getting where you need to be. We’re here to help you buy the car you need to move forward in life. Plus, we report your payments to national credit bureaus so you can start establishing credit history.

Voices from our community

The help that Oportun has given me will always stay in my heart. They always give me a chance. They never fail me.

Amelita

Voices from our community

The loan was easy. The people were friendly. I do feel like a part of the community.

Jerry

Voices from our community

I think having good credit in the U.S. is indispensable. Thanks to Oportun, they gave me the opportunity to start building my credit and reach my goals.

Eduardo

Apply now

8664886090 Apply online

Getting prequalified won’t impact your FICO® credit score

QUESTIONS

Are there fees associated with my auto loan?

Fees associated with auto loans are based on two factors: (1) the state you live in and (2) the type of auto loan you have (purchase or refinance). You may be charged for some or all of the following: sales tax, registration fee, origination fee, closing agent fee. To make it simple for you, we’ll show you all estimated fees as you move through the loan process. We also charge fees for late payments and returned checks. However, we do not charge prepayment fees.

Applications, Auto loans

Are there restrictions on the type of vehicle I can purchase with my auto loan?

Whether you buy a vehicle or refinance your current auto loan, the vehicle can only be used for personal purposes and must meet our eligibility requirements, including:

  • Not older than 15 years
  • 180,000 miles or less
  • From one of the following brands: 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, or Volvo

Vehicles that meet the following criteria are ineligible for an Oportun auto loan:

  • Uses other than personal
  • RVs or trailers
  • Motorcycles
  • Exotic, electric, or alternative fuel vehicles
  • Heavy-duty trucks
  • Cargo or conversion vans
  • Commercial or “for hire” vehicles
  • Vehicles with a salvage or branded title
  • Flood or frame damage
  • Vehicles with a replaced or modified odometer
Auto loans

Can more than one person sign for an auto loan?

No. At this time, only one person can sign for an auto loan. However, more than one person may sign for an Oportun personal loan.

Applications, Auto loans
All questions

Voices from our community

The help that Oportun has given me will always stay in my heart. They always give me a chance. They never fail me.

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Call us at 888-806-9170 with questions.