Affordable loans
that help build a better future
Loans feature fixed and affordable payments
$300 - $9,000 repayable over 7 to 46 months
No credit history required to apply
Affordable, fixed payments
Our loans feature fixed, affordable payments over 7 to 46 months. No changes to your payment amounts and no penalty for pre-payment.
No credit history required
Many of our customers had no credit history when their first Oportun loan was approved.
Establish credit history
We report customer accounts to major credit bureaus. Customers who repay their loans on time might be able to borrow more over time.
More than 1,400,000 clients have already trusted Oportun
Our loans can help with anything from security deposits to auto repairs to emergencies.

All loans on approved credit; terms vary by applicant and state law. The maximum loan amount varies by state and loans above $6,000 are available to qualified returning customers only. California residents who meet our credit requirements but who do not meet certain state law requirements for a loan less than $2,500 may only be offered a loan of $2,500 or more.
Oportun requests and considers credit histories from credit bureaus for all applicants, but prior credit history is not required to qualify for an Oportun loan. Oportun reports account payment histories to credit bureaus; late or missed payments may negatively impact your credit score.