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View state licenses and notices.

New Jersey residents: This is an advertisement for a consumer loan.

New Mexico residents: TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER, YOU MAY WRITE OR CALL: Customer Experience – Contact Manager, Oportun, PO Box 4085, Menlo Park, CA 94026; 888-408-3020; [email protected]. This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, PO Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at 505-476-4885 or visit the website

NMLS #1671904. Click for the NMLS Consumer Access Database.

Oportun’s website terms, privacy, and security policies don’t apply to outside sites we reference. Please review those websites for their terms, privacy, and security policies to see how they apply to you. Oportun isn’t responsible for (and doesn’t provide) any products, services or content at this third-party site or app, except for products and services that explicitly carry our name.

Personal loans information

Lender information: Personal loans in NM and WI are originated by Oportun Inc. NV loans originated by Oportun, LLC. Personal loans in AL, AK, AR, AZ, CA, DE, FL, GA, HI, ID, IL, IN, KS, KY, LA, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, and WY are originated by Pathward^®, N.A. THIS IS A LOAN SOLICITATION ONLY. OPORTUN MAY NOT BE THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH PATHWARD IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT OR OTHER STATE LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.

Product Terms: Lending products are subject to credit approval. Terms may vary by applicant and state and are subject to change. While a prior credit history is not required to qualify, credit reports will be requested and considered for all applicants. Account payment history is reported to select nationwide credit bureaus. Prequalification will not impact your credit score with the nationwide credit reporting agencies until you submit for final approval. Typical personal loan amounts are $500 to $4,600 for new customers, $1,500 to $9,100 for returning customers, and secured personal loan amounts are $2,525 to $12,700, based on information from previously approved loans which may not represent current terms.

Pricing information: Amounts financed for unsecured personal loans vary by state: amounts above $6,000 are not available for first-time borrowers; amounts below $3,100 are not available in GA; and amounts below $1,600 are not available in HI. A secured personal loan with an amount financed from $2,525 to $18,500 is only offered through the personal loan application to qualifying customers in select states from Pathward®, N.A. subject to certain terms and conditions. Loans are subject to an administrative fee of up to 10% of principal amount. You may incur a lower administrative fee, based on loan size and term length. For example, for an unsecured personal loan with a principal amount of $3,333, a term of 30 months, a 10% administrative fee of $333, an APR of 35.95%, the borrower will receive $3,000 and make 65 payments of $70, due every 2 weeks.For example, for a secured personal loan with a principal amount of $7,778 for a term of 39 months, a 10% administrative fee of $778, and an APR of 34.95%, the borrower will receive $7,000 and make 84 payments of $140 , due every every 2 weeks.

Secured personal loans are available for residents of: Arizona, California, Florida, Illinois, New Jersey, and Texas.

Credit card information

Lender information: Oportun® Visa® Credit Card is issued by WebBank. The Oportun Credit Card is open to all consumers, except for residents in CO, DC, IA, MD, WI, and WV. See the Oportun Cardholder Agreement or the Oportun Cash Back Cardholder Agreement for details, including applicable fees.

Product terms: The credit card is subject to credit approval. Terms may vary and are subject to change. While a prior credit history is not required to qualify, credit reports will be requested and considered for all applicants. Account payment history is reported to select nationwide credit bureaus. Prequalification will not impact your credit score with credit reporting agencies until you submit for final approval.

Pricing information: Credit card loan amounts range from $330 to $1,000. APRs are variable with initial rates ranging from 24.90% to 29.90% as of September 2023.

Oportun is not a bank. Oportun offers the direct deposit account (Direct℠) via its bank partner Pathward, N.A., Member FDIC. Oportun also offers personal loans in certain states through its partner Pathward, N.A., and credit cards through its partner WebBank.

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