We help make car buying simple

See if an auto loan is available near you

Checking whether you’re prequalified won’t impact your FICO® credit score

ALL YOU HAVE TO DO IS FIND YOUR CAR

Whether you want to purchase a vehicle from a dealership or a private seller, we’re here for you every step of the way

With an auto loan from Oportun, you’ll have the support of an auto specialist who will guide you through the car buying process and handle your paperwork. We offer financing from $5,000 to $30,000 and you can design a repayment plan to fit your budget. You don’t need a credit score and there’s no fee to apply.

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 FOR AN AUTO LOAN QUICKLY

If you need a loan and have limited credit history—or even no credit history—we’re here to help

Getting started is simple

Apply online and, if your application is approved, use our loan configurator to design your terms so your payments fit your budget. Once you know how much you qualify for, you can focus on finding the car that’s right for you.

More than a loan

An auto loan with Oportun is more than a loan—we’ll also help you through the car buying process. Once you find the right car and you’re ready to close, we’ll even handle the loan paperwork so you and the seller can skip the trip to the DMV.

Committed to making life better

We’ve helped members of our community build better lives for more than a decade. To date, we have helped more than a million people take control of their futures with affordable personal loans.

$1,000

Average savings for first-time personal loan customers

3.1 million

Loans made

$6.8 billion

Total credit provided

Apply now

Checking whether you’re prequalified won’t impact your FICO® credit score

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QUESTIONS

Can I be prequalified without impacting my credit score?

Yes. When we prequalify you, we run a soft credit pull, which does not impact your FICO® credit score.

When we are ready to make a final decision on your loan 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 loans

What documentation do I need to apply for an auto loan?

Be prepared to share the following documents:

  • A valid driver’s license issued by a state government agency
  • Proof of income, such as current pay stubs 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
  • Proof of auto insurance
Applications, Auto loans

How do I get my auto loan funds?

Because we’ve tried to make it as simple as possible for you to buy a car, you won’t personally receive the funds for your auto loan. We will deliver the funds directly to the seller, and you (the borrower) will get to drive away in your new car.

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.