Get local support

Our community partners help us bring you free financial education, planning, job assistance and more

Steady

Find regular jobs and odd jobs, increase your income, and plan for your future

UnidosUS

Learn about credit, financial planning, and more with free financial coaching

SpringFour

Discover local nonprofit and government programs providing financial support

Steady

With millions of jobs refreshed daily, the Steady app allows you to:

  • Find full-time, part-time, or anytime work
  • Get recommendations on how to increase your income
  • Apply for emergency cash grants
Download app

UnidosUS

We’ve partnered with UnidosUS to bring you free financial coaching. Trained coaches can help you:

  • Understand your credit report
  • Set financial goals
  • Establish a budget and stick to it
Get Started

SpringFour

SpringFour helps save you time and money by connecting you to local nonprofit and government resources that can help you in many ways:

  • Pay less on monthly bills
  • Save money on food and childcare
  • Access free or low-cost healthcare
Get started

From our community

They’ve given us 50,000 5-star reviews on Google

Buen servicio Cristina

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Jorge Ramirez

from Google

Cruza was an amazing help! Quick and easy

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Karen Ortega

from Google

Me encanta tu servicio son muy amables

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Aurora Rojas

from Google

Excelente servicio y asesoría. La Srita. Lorena tiene excelente atención, es muy amable. Estoy muy a gusto. Gracias.

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FRANCISCO GARZA

from Google

Muy profesional yudeymis

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Luis Cano

from Google

Excelente servicio de parte de las muchachas y muy rápido

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Agustin Santiago

from Google

Me gustó mucho la atencion que brindaron y la explicación que me dieron muchísimas gracias

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Manuel Diego Bautista

from Google

Ms. Giselle C. has great customer service! She took care of me and got me squared away. Definitely would recommend!

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Raven Landaverde

from Google

Buen servicio de Cristina grasias

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Samuel Trujillo

from Google

(Översatt av Google) Utmärkt betjäning (Original) Excelente servicio

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vantroich reyes

from Google

(Översatt av Google) Utmärkt betjäning (Original) Excelente servicio

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Alexis

from Google

AGRADECIDA CON LA ATENCION, POR LA SEÑORITA : Diana. C ,SUPER EXECELENTE SU ATENCION

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Lisbeth Villasmil

from Google

A+ rating by the Better Business Bureau (BBB)

Best consumer lending product by Fintech Breakthrough

CDFI certified by the U.S. Treasury Department

Tools & learning

Questions

Credit scores try to estimate the likelihood that a borrower will pay back debts on time. There are many types of credit scores developed by different companies, but the FICO® score, developed by Fair Isaac Corporation, is one of the most commonly referenced credit scores.

According to Fair Isaac Corporation , your FICO® credit score is a number between 300 and 850, and is calculated by a formula that takes into account the following factors:

  • Payment history (35%)
  • Amount owed (30%)
  • Length of credit history (15%)
  • Credit mix (10%)
  • New credit (10%)

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.

There are three nationwide credit reporting agencies, also called credit bureaus: Experian, TransUnion, and Equifax. These companies collect financial and other data about users, which is recorded in credit reports and used to create credit scores. Each bureau does not collect the exact same information, so a person can actually have multiple credit scores, including multiple FICO® credit scores.

More questions

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