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Provide this referral code on your application:


Start building a better future today

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

  • Affordable loans of $300–$6,000
  • Choose your low, fixed repayment plan
  • Get your money in as little as 2 hours
  • No credit score needed to apply
  • A+ rating from Better Business Bureau



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

What documentation do I need to apply for a personal loan?

Be prepared to share the following documents:

  • A valid photo ID, such as a driver’s license, passport, consular ID card, or a non-U.S. ID card (we accept from most countries)
  • Proof of income, such as current paystubs 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
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
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