personal loans

Illustration of a phone screen notifying that your loan has been funded and a woman with her hands in the air holding a prize
Lighted torch logo of bbb accredited business with A+ rating text on the side

A+ rating by the Better Business Bureau (BBB)

FinTech Breakthrough logo

Best consumer lending product by Fintech Breakthrough

CDFI logo

CDFI certified by the U.S. Treasury Department

Apply for a personal loan up to $10,000 with fixed, affordable payments and no pre-payment penalties.

Apply now
Illustration of relaxed man enjoying a hot coffee, in a financially stress-free place

Why Oportun


Pay less and get more compared to non-bank lenders

Fast funds

With direct deposit


9 of 10 customers would refer their friends and family to Oportun

Apply now
Illustration of man holding a drill, purchased along with other materials using a personal loan, in front of his home

Applying is simple

Get prequalified

Use the referral code to apply, there’s no fee and you don’t need a credit score

Complete your application

All you need is a valid photo ID, proof of income, and proof of address

Get your money quickly

Funds delivered fast with direct deposit

We have 50,000 5-star reviews on Google

Great staff! Easy & quick process. Thanks oportun!

Leticia Yniguez

from Google

Very nice employees and very helpful!!

Sabrina Campos

from Google

Quick to help, curious and caring.


from Google


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.

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.

Ready to build a better future? Apply now.

Personal loans Credit cards

We use cookies to bring you the best experience on our site. We never sell your information to third parties. When you use our site, you agree to our cookies policy. Find out more.