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Here’s how you can reach us



Personal loans:

Mon-Fri: 8 am—8 pm PT
Sat-Sun: 9 am—7 pm PT
(866) 488-6090


Credit cards:

Mon-Fri: 5 am—9 pm PT
Sat-Sun: 6 am—8 pm PT
Applications: (855) 613-0070
Customer service: (833)-676-7886


Credit account through Sezzle:

Mon-Fri: 8 am—8 pm PT
Sat-Sun: 9 am—7 pm PT
(888) 886-1715




General inquiries:

[email protected]


Text our bot:

(855) 642-2140


Save & invest

[email protected]


App help




[email protected]



Personal loans:

PO Box 4085 / Menlo Park, CA 94026


Credit cards:

Payments: PO Box 561240 / The Colony, TX 75056
Inquiries: PO Box 560698 / The Colony, TX 75056


Credit account through Sezzle:

Payments: PO Box 560547 / The Colony, TX 75056
Inquiries: PO Box 560306 / The Colony, TX 75056


If you need more help


At Oportun, we always want to see you win. 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
You may submit credit reporting disputes in writing to
P.O. Box 4085, Menlo Park, CA 94026

You can also text us

If you’re a member, 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 (855) 642-2140



Still have questions? Here are a few we’ve answered before.

What is a nationwide credit reporting agency?

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.

How does Oportun help me build a credit history?

Your reported credit activity is what makes up your credit history. The details about the credit accounts you have (the balances you owe on them and whether or not you’ve made your payments on time) are reported to credit bureaus to help you build credit history.

While you work on building your credit history, it’s important to make your loan and/or credit card payments on time. Missed or late payments can negatively impact your credit score.

What is a FICO® credit score?

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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