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    Flooded streets in Houston Texas during Hurricane Harvey

Left aligned text…. eros, eget consequat velit varius vel. Sed sodales ex at suscipit consectetur. Aenean vulputate malesuada elit, nec varius orci varius eu.UnidosUS logo, set in a bold typeface, “D” and “O” are looped together signifying community.

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Board of Directors

Carl Pascarella

Carl has served as a member of Oportun’s board since 2010. He brings expertise from his role as an executive advisor at TPG Capital, a leading global private equity firm. Carl retired in 2005 from Visa, where he served as president and chief executive officer for 12 years after holding multiple leadership positions. He also worked as vice president of the international division of Crocker National Bank and vice president of metropolitan banking at Bankers Trust.

David Strohm

Dave has served on Oportun’s board since 2007. He has been a partner at venture capital firm Greylock Partners since 2001 and has been affiliated with Greylock since 1980. Dave also currently serves as a director of several private companies and previously as a director of DoubleClick, Internet Security Systems, SuccessFactors, EMC, and VMware. Dave received a BA from Dartmouth College and an MBA from Harvard Business School.

Jo Ann Barefoot

Jo Ann has served on Oportun’s board since 2016. She is the founder and CEO of Barefoot Innovation Group and serves as advisor to private consumer finance companies and fintech startups. She currently serves as chair of the board of the Center for Financial Services Innovation and the National Foundation for Credit Counseling, and formerly served on the Consumer Advisory Board of the Consumer Financial Protection Bureau. Jo Ann previously served as Deputy Comptroller of the Currency and has held leadership roles at Treliant Risk Advisors, KPMG, and the National Association of Realtors, as well as serving on the staff of the U.S. Senate Committee on Banking, Housing, and Urban Affairs. Jo Ann was a senior fellow at the John F. Kennedy School of Government’s Mossavar-Rahmani Center for Business & Government at Harvard University.

Louis P. Miramontes

Louis has served as a member of Oportun’s board since 2014. He is a financial executive and certified public accountant in the state of California. He previously worked as a senior partner at KPMG, managing partner of its San Francisco office, and senior partner of its Latin American region. Louis was also an audit partner providing services to public and private companies with expertise in SEC compliance and Sarbanes-Oxley regulations. He currently serves on the board of directors of Lithia Motors and Rite Aid. Louis received a BS in business administration from California State University, East Bay.

R. Neil Williams

Neil has served on Oportun’s board since 2017. He previously was executive vice president and chief financial officer at Intuit and held similar executive positions at Visa. Neil also served a dual role as chief financial officer for Inovant, Visa’s global IT organization. He is an independent director of RingCentral and Amyris, has held numerous senior financial positions at commercial banks, and is a certified public accountant. He received his BA in business administration from the University of Southern Mississippi.

Raul Vazquez

Chief Executive Officer

Raul has served as Oportun’s chief executive officer and board member since 2012. His past experience includes leadership roles at Walmart and Walmart.com, including three years as CEO of Walmart.com, and at high-growth startups. Raul currently serves on the boards of Intuit and the National Association for Latino Community Asset Builders, and he formerly served as a director of Staples. He was also a member of the Community Advisory Board at the Consumer Financial Protection Bureau and chaired the Federal Reserve Board’s Community Advisory Council. He holds a BS and MS in industrial engineering from Stanford University and an MBA from the Wharton Business School at the University of Pennsylvania. In 2018, he was named EY’s Entrepreneur of the Year in financial services.

The Honorable Aida M. Alvarez

Aida has served on Oportun’s board since 2011. She also serves on the board of directors at HP, K12, and Zoosk. Aida is the former administrator of the U.S. Small Business Administration and served in President Clinton’s Cabinet. She was the founding director of the Office of Federal Housing Enterprise Oversight and worked extensively in public finance. She previously served on the board of directors of Walmart, PacifiCare Health Systems, Union Bank, and UnionBanCal. Aida was elected to serve her alma mater on the Harvard Board of Overseers. She holds honorary degrees from four other universities.

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Hear from our team

Ann Stonehouse, an Oportun Employee

In my career I have never worked for a company that supports diversity in such an inclusive way. I look around and feel proud to work at a place that not only looks diverse, but also thinks and acts in a diverse way. It’s a great environment that fosters collaboration, inspiration, and innovation.

Ann Stonehouse, Sr. Director, Direct Marketing

Voices from our community

The help that Oportun has given me will always stay in my heart. They always give me a chance. They never fail me.

Amelita

Voices from our community

I think having good credit in the U.S. is indispensable. Thanks to Oportun, they gave me the opportunity to start building my credit and reach my goals.

Eduardo

Partners section

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Financial coaching

If you want to learn about your credit score or could use guidance on how to save for a long-term goal, we’ll put you in touch with UnidosUS for free financial coaching.

Local partners

Our partner SpringFour can help you discover nonprofit and government services near you. Save money, access healthcare, find a job, or look for vouchers to help you cover pressing costs.

Our products

Personal loans

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  • Loans from $300 to $9,000
  • Fixed and affordable payments
  • Receive funds fast

Auto loans

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  • Financing from $5,000 to $30,000
  • Purchase a vehicle from a dealership or private seller
  • Design your loan terms
  • Apply from your phone or computer

OportunPath

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  • $100 top ups when you’re low
  • Free account updates
  • Sign up in minutes

QUESTIONS

Can I be prequalified without impacting my credit score?

Yes. When we prequalify you, we run a soft credit pull, which does not impact your FICO® credit score.

When we are ready to make a final decision on your loan application, we run a hard credit pull, which can impact your credit score. Learn more about hard and soft credit pulls.

Applications, Auto loans, Personal loans

Are there fees associated with my personal loan?

We do not charge application or prepayment fees. We do, however, charge an origination fee or a tax stamp when we approve your loan (depending on which state you live in). This fee is calculated as part of your annual percentage rate (APR) along with the amount of interest you will owe. We also charge fees for late payments and returned checks.

Applications, Payments, Personal loans

Do I need auto insurance?

Yes. You will need to show proof of auto insurance, and you must maintain comprehensive and collision coverage over the term of your loan.

Auto loans
All questions

HOW TO REACH US

phone 866-488-6090

Mon-Fri: 8 am-8 pm PT
Sat-Sun: 9 am-7 pm PT

phone

Oportun
PO Box 4085
Menlo Park, CA 94026

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Personal loans

Get an affordable loan, quickly—no credit score needed.

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Auto loans

We help make car buying simple—so you can find the car that’s right for you.

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OportunPath

Get fast, friendly help between paychecks.

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Financial resources

We’ll put you in touch with UnidosUS for free financial coaching.

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Local partners

Our partner, SpringFour, can help you discover nonprofit and government services near you.

Learn more
All products

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Customer at retail location receiving their first personal loan from Oportun.

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Featured

3 Questions to ask yourself before applying for a loan

Life is full of surprises, and some of them require extra cash. You may have the opportunity to move into a bigger and better rental...
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Laura’s story and how her loan choice affected her life

How much of a difference can it make to choose one kind of loan over another?  A huge difference. Read Laura’s story about her possible...
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What is an installment loan and how does it work?

If you’ve ever had to shop for a loan, you know that the vocabulary can be confusing. In this post, we will do our best...
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