Ready to apply for a loan?

Provide this referral code on your application:


Because everyone deserves access to affordable credit

Oportun customers at their kitchen table reading their personal loan documents.

  • Loans from $300 to $6,000
  • Fixed, affordable payments
  • No credit score needed to apply
  • Money in as little as two hours
  • Months instead of weeks to pay off



Get prequalified in minutes
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
Receive your funds in as little as 2 hours



How fast is the application process for a personal loan?

We know your time is valuable and we’re committed to providing you with fast service. Prequalification takes only minutes and will not impact your FICO® credit score. The full application process typically takes under 10 minutes if you supply the correct documentation. Most approved applicants receive their funds the same day they apply.

Applications, Personal loans

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 a final decision is made on your 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

How does Oportun help me build a credit history?

Unlike other alternative lenders, we report your account behavior to nationwide credit bureaus. Each month, we let them know whether you’ve made your account payments on time and in full. You can establish positive credit when you make your requested payments on or before your due date, pay more than what is requested, or pay your account in full.  It generally takes at least six months to establish an initial credit score.

If you miss payments or make late or incomplete payments, we also report that to the credit bureaus. Such behavior can negatively impact your credit score.

The lender for the Oportun Visa Credit Card is WebBank, Member FDIC, which is who reports your account behavior to nationwide credit bureaus.

Auto loans, Credit cards, Establishing credit, Payments, Personal loans
All questions


Oportun customers enjoys time with their kids, knowing their finances are in good shape.