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Call

Mon-Fri: 8 am—8 pm PT

Sat-Sun: 9 am—7 pm PT

Personal loans: (866) 488-6090

Credit cards: (855) 613-0070

Message

General inquiries: [email protected]

Troubleshooting: [email protected]

Text our bot using: (650) 425-3419
Standard rates apply

Mail

Personal loans:
PO Box 4085
Menlo Park, CA 94026

Credit cards:
PO Box 4085
Menlo Park, CA 94026

Need help?

At Oportun, we want to see you succeed. If you run into a problem or have a question, please reach out.

Be sure to include the following information in your message:

  • Your full name
  • Address
  • Phone number
  • Last four digits of your account number (if you’re a current customer)
  • Reason for your request, dispute, compliment, or complaint

All credit reporting disputes must be submitted in writing.

Prefer to text?

If you’re a customer, text our bot using the phone number associated with your account. It can answer simple questions like what your loan balance is, your next due date, and payment amount. It even accepts payments.

Text (650) 425-3419

Standard rates apply.

Questions

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.

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.

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%)
More questions

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