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
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
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
From our community
They’ve given us 60,000 5-star reviews on Google and Trustpilot
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
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.