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personal loans

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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.

Apply now


Why Oportun

Pay less and get more compared to non-bank lenders. See more

Fast funding
With direct deposit

9 of 10 members would refer their friends and family to Oportun. See more

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

Curious what others think?

75,000 5-star reviews on Google and Trustpilot

Read more

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

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.

Our members
have saved
$2.3 billion
in interest and fees

Apply now

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