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
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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
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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
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From our community

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

Iris good customer service

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Chepe Terron

from Google

Great customer service. Araceli was very nice and answered all my questions.

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Claudia Oviedo

from Google

(Translated by Google) Good attention (Original) Buena atencion

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Guadalupe Uyoa

from Google

Best place in my opinion

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Diego Oliva

from Google

Very pleasant and professional needs raise

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Jorie Adams

from Google

My service today with oportun was awesome. Genesha took her time to explain things to me.Thank you.

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Patricia Amponsah

from Google

Thank you Maria Q. & the rest of the staff at Oportun, they did an amazing job at assisting me with my personal loan. Thank you Oportun! God bless.

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Brandon Ramirez

from Google

Nice people

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Evil Reaper

from Google

Had gotten great service and great help by Maricela. Was approved very quick. Outstanding service overall.

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juan torres

from Google

Camille was great

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Kim Johnson

from Google

I went to apply for a loan the proceeds was super quick and easy Daisy helped me out and the customer service was excellent

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abraham hernandez

from Google

Excellent service,

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Armando Lopez

from Google

A+ rating by the Better Business Bureau (BBB)

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Best consumer lending product by Fintech Breakthrough

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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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