Affordable
personal loans
A+ rating by the Better Business Bureau (BBB)
#1 savings app of 2023 by Bankrate
CDFI certified by the U.S. Treasury Department
Apply for a personal loan up to $12,000 with fixed, affordable payments and no pre-payment penalties.
Affordable
Pay less and get more compared to non-bank lenders. See more
Fast funding
With direct deposit
Trusted
9 of 10 members would refer their friends and family to Oportun. See more
Applying is simple
1
Get prequalified
Use the referral code to apply, there’s no fee and you don’t need a credit score
2
Complete your application
All you need is a valid photo ID, proof of income, and proof of address
3
Get your money quickly
Funds delivered fast with direct deposit
Curious what others think?
75,000 5-star reviews on Google and Trustpilot
Great staff! Easy & quick process. Thanks Oportun!
Very nice employees and very helpful!!
Quick to help, curious and caring.
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 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.