Questions

Applications

Be prepared to share the following documents:

  • A valid photo ID, such as a driver’s license, passport, consular ID card, or a non-U.S. ID card (we accept from most countries)
  • Proof of income, such as current paystubs or current bank statements
  • Verification of address, such as a piece of mail with your name and address (cannot be a PO box)
  • Up to four personal references, which can include friends, family, or employers

Yes, in some instances we do accept cosigners. Cosigners should be aware that becoming obligated on another person’s loan is treated as a debt obligation, and that person will be responsible for the loan if you do not pay it off.

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

When a final decision is made on your application, we run a hard credit pull, which can impact your credit score. Learn more about hard and soft credit pulls.

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.

We know that you are more than just a set of numbers or a credit score. If you have a credit history, we will look at it, but we also consider other information. We may even approve you if you’ve faced bankruptcy.

We know your time is valuable and we’re committed to providing you with fast service. Prequalification takes only minutes and will not impact your FICO® credit score. The full application process typically takes under 10 minutes if you supply the correct documentation. Most approved applicants receive their funds the same day they apply.

 

  • Original vehicle title
  • Vehicle registration (original or copy, must be registered in CA)
  • Driver’s license (US issued or international)
  • Proof of income
  • Proof of address
  • Pictures of your car (front, back driver side, passenger side, VIN, and odometer)
  • Bank account and routing number for instant verification

No worries. If you received a prequalified offer letter in the mail but can’t find your offer code, give us a call at 855-613-0070.

No problem. To cancel your application, call us at 833-OPORTUN (833-676-7886).

Applying is simple. Confirm your offer hasn’t expired and go to Oportun.com/myoffer. You can also accept your offer by calling 855-613-0070. We’re ready to help from 8 am­–8 pm CT Monday–Friday, and 9 am–7 pm CT on weekends and holidays.

Yes. If you received an offer letter, call 855-613-0070. We’re ready to help from 8 am­–8 pm CT Monday–Friday, and 9 am–7 pm CT on weekends and holidays.

Be prepared to provide:

  • Email address
  • Mobile number
  • Photo ID
  • Proof of income
  • Proof of address

Credit cards

No. At this time, only one person can sign for a credit card.

If a recent transaction shows as pending on your account, it means the funds haven’t quite finished transferring over. This can happen with larger purchases, or if a merchant hasn’t completed their transactions yet.

To view your statements online, log in to your online account at account.Oportun.com/creditcards.

Yes. You can manage your account online 24/7 and do things like check your balance, view transactions and statements, make a payment, and manage alerts. Go to account.Oportun.com/creditcards to create an online account.

To apply: 855-613-0070
Servicing and payments: 833-OPORTUN (833-676-7886)
Email: [email protected]

Activating your card is easy. Visit Oportun.com/activate to create an online account and activate your card. Or call us at 833-OPORTUN (833-676-7886) to activate over the phone.

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

When a final decision is made on your application, we run a hard credit pull, which can impact your credit score. Learn more about hard and soft credit pulls.

No worries. If you received a prequalified offer letter in the mail but can’t find your offer code, give us a call at 855-613-0070.

No problem. To cancel your application, call us at 833-OPORTUN (833-676-7886).

Applying is simple. Confirm your offer hasn’t expired and go to Oportun.com/myoffer. You can also accept your offer by calling 855-613-0070. We’re ready to help from 8 am­–8 pm CT Monday–Friday, and 9 am–7 pm CT on weekends and holidays.

Yes. If you received an offer letter, call 855-613-0070. We’re ready to help from 8 am­–8 pm CT Monday–Friday, and 9 am–7 pm CT on weekends and holidays.

Be prepared to provide:

  • Email address
  • Mobile number
  • Photo ID
  • Proof of income
  • Proof of address

Call us at 833-OPORTUN (833-676-7886) to make a payment over the phone. We can even help you set up automatic payments from your bank or credit union, so you always make your credit card payments on time.

Yes! You can make payments with cash at any MoneyGram location  nationwide, including inside CVS and Walmart.

As soon as we can. It usually takes 3–5 business days after we receive your payment.

Pay the way you want: online, over the phone, by mail, or in person.

Making payments online is simple. Just log in to your online credit card account and use your checking or savings account to make a one-time or recurring payment. Debit cards are also accepted. Automatic payments are the easiest way to make your payments on time—and you’ll never forget your due date.

If you want to pay by phone, call 833-OPORTUN (833-676-7886). You can make a payment in person at any MoneyGram location  nationwide, including inside CVS and Walmart. Or mail a check or money order to the following address:

Oportun
PO Box 561240
The Colony, TX 75056

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%)

Establishing credit

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%)

Payments

We do our best to set you up for success. Payment amounts are based on your loan size, interest rate, fees, and terms of your loan. Payments for personal loans are made in fixed installments, meaning they don’t change over the life of the loan (except the last payment, which may be larger or smaller depending on whether you made your payments on time).

If you’d like to make a lower payment, you have the ability, within certain parameters, to change the loan amount or loan terms before the loan is disbursed.

 

We understand that unexpected things happen. Please let us know right away if you think you won’t be able to make a payment. Call us at 888-907-0129, and we’ll try to work something out with you.

We report your account to nationwide credit bureaus—that’s how we help you establish a credit history. When you miss a loan payment, we report it to the credit bureaus, which could hurt your credit score. Making payments on time is one of the most important factors in your credit score calculation.

Yes. However, privacy laws limit the amount of information we can share about your loan. If you’d like someone to make a payment on your behalf, make sure they know the name and telephone number associated with your loan and the payment amount you would like to make.

Call us at 833-OPORTUN (833-676-7886) to make a payment over the phone. We can even help you set up automatic payments from your bank or credit union, so you always make your credit card payments on time.

Yes! You can make payments with cash at any MoneyGram location  nationwide, including inside CVS and Walmart.

As soon as we can. It usually takes 3–5 business days after we receive your payment.

Pay the way you want: online, over the phone, by mail, or in person.

Making payments online is simple. Just log in to your online credit card account and use your checking or savings account to make a one-time or recurring payment. Debit cards are also accepted. Automatic payments are the easiest way to make your payments on time—and you’ll never forget your due date.

If you want to pay by phone, call 833-OPORTUN (833-676-7886). You can make a payment in person at any MoneyGram location  nationwide, including inside CVS and Walmart. Or mail a check or money order to the following address:

Oportun
PO Box 561240
The Colony, TX 75056

We are happy to accept checks and money orders in stores or by mail. Please include your loan number in the check memo. Do not send cash.

Payments may be mailed to the following address:
Oportun
P.O. Box 2063
Menlo Park, CA 94026

Payments are accepted at any Oportun store  or in hundreds of convenient locations that provide CheckFree Pay, MoneyGram, or PayNearMe.

In Oportun stores, we accept cash, checks, and money orders. Please bring exact amounts, as we are not able to make change. However, we’ll credit any excess funds to your account.

You can also pay at Walmart, Kmart, CVS, 7-Eleven, grocery stores, corner stores, Family Dollar stores, and hundreds of other locations that accept CheckFree Pay, MoneyGram, or PayNearMe payments. Oportun does not receive any portion of the fees charged by the vendors above for making a payment. No fees for using these payment options will be charged to customers in California, New Jersey, New Mexico, or Wisconsin if the loan was disbursed in these states.

  • No fee: Find a CheckFreePay location —you will need your Oportun loan number (located in your loan documents), name, and phone number associated with your loan.
  • No fee: Find a MoneyGram location —you will need your Oportun loan number (located in your loan documents). If you’re making payments on a personal loan, use receive code 7991. If you’re making payments toward an auto loan, use receive code 14565.
  • A $1.99 fee may apply: Find a PayNearMe location —you will need your PayNearMe barcode, located in your loan documents.

Options for auto loan payments are temporarily limited while we roll out this new product, but we’re adding new options all the time.

Call us at 866-488-6090. You can make a payment through your bank (we’ll just need your routing and account numbers). We can help you make a one-time payment or set up automatic payments from your bank or credit union. Automatic payments are the easiest way to make your loan payments on time.

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.

There are three easy ways to make a payment online:

  • Oportun account: Log in to make a one-time payment or set up auto pay; you’ll need your bank account and routing number
  • Debit card: You can also make a payment using your debit card 
  • Bill pay: Or use bill pay through your bank; we don’t charge fees if you prefer to use your bank’s bill pay system

Here at Oportun, the easiest way to make your personal loan payments is by enrolling in automatic payments. With auto pay, your personal loan will get paid on time automatically each month.

To set up auto pay, choose the payment method you want to use to make your personal loan payment. You can use a checking account, savings account, or debit card. If you use a checking account or savings account, you’ll need to provide the account number and routing number. You can find this information in your bank statement.

Once you have your payment information handy, you can enroll in auto pay in one of many ways:

  • From your online Oportun account
  • Over the phone by calling us at 866-488-6090
  • At an Oportun office near you

After auto pay is set up, all of your personal loan payments will be made automatically for the rest of your loan term. You won’t need to worry about late payments anymore. By ensuring all of your payments get made on time, auto pay can help you maintain your credit score.

Personal loans

We can disperse funds depending on what works best for you: check or a direct deposit into your bank account. We’ll make things as convenient as possible, and we’ll walk you through your options, which may vary based on the state where you live.

A personal loan provides you with a lump sum of money that is paid back over a set period of time. The  money can be used for a number of personal expenses.

The vehicle must meet our standards, including:

  • 25 model years (1995) or newer with fewer than 250,000 miles
  • Eligible vehicle makesAcura, Audi, BMW, Buick, Cadillac, Chevrolet, Chrysler, Dodge, Fiat, Ford, Genesis, GMC, Honda, Hyundai, Infiniti, Jaguar, Jeep, Kia, Land Rover, Lexus, Lincoln, Mazda, Mercedes-Benz, MINI, Mitsubishi, Nissan, Ram, Scion, Subaru, Toyota, Volkswagen, Volvo
  • Ineligible vehicle makes: Exotic models, alternative fuel vehicles, electric models, leased vehicles, vehicles registered outside your state of residence, heavy-duty trucks greater than F350/3500 (12K GVW), cargo or conversion vans, commercial or “for hire” vehicles, salvage or branded title vehicles, flood or frame damaged vehicles, and vehicles with replaced or modified odometers

Yes, you need to be the only listed owner of the car.

Yes, you must own your car. You can’t have any remaining payments on a car loan, and the title must be free and clear with no lien on it.

We understand that unexpected things happen. Please let us know right away if you think you won’t be able to make a payment. Call us at 855-754-5491 and we’ll try to work something out. If your loan remains delinquent without any payment arrangements, you could lose your car.

Once you’re approved, your vehicle meets our requirements, and we have all necessary documentation, we can disburse the loan in as little as 24 hours.

The biggest difference is that our secured personal loans require you to secure your loan with your car title, while our standard personal loans do not. It’s usually easier to get approved for a loan this way. You may also be able to get a lower APR, a higher loan amount, and/or longer time to pay back your loan. As with all our personal loans, you get fixed, affordable payments and we report to national credit bureaus to help you build credit.

No. Compared to titles loans, our secured personal loans are capped at 36% APR, whereas a title loan can carry triple-digit APRs. Our secured personal loans are installment loans with fixed, affordable payments that have a 21-month minimum term, whereas title loan is a short-term loan repaid in one or two payments. Because they are paid back over months instead of weeks, Oportun secured loans have a lower minimum payment so they are easier to pay back than standard title loans.

A secured personal loan is an installment loan that is secured by collateral. At Oportun, you can use your car title as collateral for a secured personal loan. Your car stays with you, and you can continue driving as usual while you make your loan payments.

Be prepared to share the following documents:

  • A valid photo ID, such as a driver’s license, passport, consular ID card, or a non-U.S. ID card (we accept from most countries)
  • Proof of income, such as current paystubs or current bank statements
  • Verification of address, such as a piece of mail with your name and address (cannot be a PO box)
  • Up to four personal references, which can include friends, family, or employers

Yes, in some instances we do accept cosigners. Cosigners should be aware that becoming obligated on another person’s loan is treated as a debt obligation, and that person will be responsible for the loan if you do not pay it off.

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

When a final decision is made on your application, we run a hard credit pull, which can impact your credit score. Learn more about hard and soft credit pulls.

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.

We know that you are more than just a set of numbers or a credit score. If you have a credit history, we will look at it, but we also consider other information. We may even approve you if you’ve faced bankruptcy.

We know your time is valuable and we’re committed to providing you with fast service. Prequalification takes only minutes and will not impact your FICO® credit score. The full application process typically takes under 10 minutes if you supply the correct documentation. Most approved applicants receive their funds the same day they apply.

 

  • Original vehicle title
  • Vehicle registration (original or copy, must be registered in CA)
  • Driver’s license (US issued or international)
  • Proof of income
  • Proof of address
  • Pictures of your car (front, back driver side, passenger side, VIN, and odometer)
  • Bank account and routing number for instant verification

We do our best to set you up for success. Payment amounts are based on your loan size, interest rate, fees, and terms of your loan. Payments for personal loans are made in fixed installments, meaning they don’t change over the life of the loan (except the last payment, which may be larger or smaller depending on whether you made your payments on time).

If you’d like to make a lower payment, you have the ability, within certain parameters, to change the loan amount or loan terms before the loan is disbursed.

 

We understand that unexpected things happen. Please let us know right away if you think you won’t be able to make a payment. Call us at 888-907-0129, and we’ll try to work something out with you.

We report your account to nationwide credit bureaus—that’s how we help you establish a credit history. When you miss a loan payment, we report it to the credit bureaus, which could hurt your credit score. Making payments on time is one of the most important factors in your credit score calculation.

Yes. However, privacy laws limit the amount of information we can share about your loan. If you’d like someone to make a payment on your behalf, make sure they know the name and telephone number associated with your loan and the payment amount you would like to make.

We are happy to accept checks and money orders in stores or by mail. Please include your loan number in the check memo. Do not send cash.

Payments may be mailed to the following address:
Oportun
P.O. Box 2063
Menlo Park, CA 94026

Payments are accepted at any Oportun store  or in hundreds of convenient locations that provide CheckFree Pay, MoneyGram, or PayNearMe.

In Oportun stores, we accept cash, checks, and money orders. Please bring exact amounts, as we are not able to make change. However, we’ll credit any excess funds to your account.

You can also pay at Walmart, Kmart, CVS, 7-Eleven, grocery stores, corner stores, Family Dollar stores, and hundreds of other locations that accept CheckFree Pay, MoneyGram, or PayNearMe payments. Oportun does not receive any portion of the fees charged by the vendors above for making a payment. No fees for using these payment options will be charged to customers in California, New Jersey, New Mexico, or Wisconsin if the loan was disbursed in these states.

  • No fee: Find a CheckFreePay location —you will need your Oportun loan number (located in your loan documents), name, and phone number associated with your loan.
  • No fee: Find a MoneyGram location —you will need your Oportun loan number (located in your loan documents). If you’re making payments on a personal loan, use receive code 7991. If you’re making payments toward an auto loan, use receive code 14565.
  • A $1.99 fee may apply: Find a PayNearMe location —you will need your PayNearMe barcode, located in your loan documents.

Options for auto loan payments are temporarily limited while we roll out this new product, but we’re adding new options all the time.

Call us at 866-488-6090. You can make a payment through your bank (we’ll just need your routing and account numbers). We can help you make a one-time payment or set up automatic payments from your bank or credit union. Automatic payments are the easiest way to make your loan payments on time.

There are three easy ways to make a payment online:

  • Oportun account: Log in to make a one-time payment or set up auto pay; you’ll need your bank account and routing number
  • Debit card: You can also make a payment using your debit card 
  • Bill pay: Or use bill pay through your bank; we don’t charge fees if you prefer to use your bank’s bill pay system

Here at Oportun, the easiest way to make your personal loan payments is by enrolling in automatic payments. With auto pay, your personal loan will get paid on time automatically each month.

To set up auto pay, choose the payment method you want to use to make your personal loan payment. You can use a checking account, savings account, or debit card. If you use a checking account or savings account, you’ll need to provide the account number and routing number. You can find this information in your bank statement.

Once you have your payment information handy, you can enroll in auto pay in one of many ways:

  • From your online Oportun account
  • Over the phone by calling us at 866-488-6090
  • At an Oportun office near you

After auto pay is set up, all of your personal loan payments will be made automatically for the rest of your loan term. You won’t need to worry about late payments anymore. By ensuring all of your payments get made on time, auto pay can help you maintain your 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%)

Secured personal loans

The vehicle must meet our standards, including:

  • 25 model years (1995) or newer with fewer than 250,000 miles
  • Eligible vehicle makesAcura, Audi, BMW, Buick, Cadillac, Chevrolet, Chrysler, Dodge, Fiat, Ford, Genesis, GMC, Honda, Hyundai, Infiniti, Jaguar, Jeep, Kia, Land Rover, Lexus, Lincoln, Mazda, Mercedes-Benz, MINI, Mitsubishi, Nissan, Ram, Scion, Subaru, Toyota, Volkswagen, Volvo
  • Ineligible vehicle makes: Exotic models, alternative fuel vehicles, electric models, leased vehicles, vehicles registered outside your state of residence, heavy-duty trucks greater than F350/3500 (12K GVW), cargo or conversion vans, commercial or “for hire” vehicles, salvage or branded title vehicles, flood or frame damaged vehicles, and vehicles with replaced or modified odometers

Yes, you need to be the only listed owner of the car.

Yes, you must own your car. You can’t have any remaining payments on a car loan, and the title must be free and clear with no lien on it.

We understand that unexpected things happen. Please let us know right away if you think you won’t be able to make a payment. Call us at 855-754-5491 and we’ll try to work something out. If your loan remains delinquent without any payment arrangements, you could lose your car.

Once you’re approved, your vehicle meets our requirements, and we have all necessary documentation, we can disburse the loan in as little as 24 hours.

The biggest difference is that our secured personal loans require you to secure your loan with your car title, while our standard personal loans do not. It’s usually easier to get approved for a loan this way. You may also be able to get a lower APR, a higher loan amount, and/or longer time to pay back your loan. As with all our personal loans, you get fixed, affordable payments and we report to national credit bureaus to help you build credit.

No. Compared to titles loans, our secured personal loans are capped at 36% APR, whereas a title loan can carry triple-digit APRs. Our secured personal loans are installment loans with fixed, affordable payments that have a 21-month minimum term, whereas title loan is a short-term loan repaid in one or two payments. Because they are paid back over months instead of weeks, Oportun secured loans have a lower minimum payment so they are easier to pay back than standard title loans.

A secured personal loan is an installment loan that is secured by collateral. At Oportun, you can use your car title as collateral for a secured personal loan. Your car stays with you, and you can continue driving as usual while you make your loan payments.

  • Original vehicle title
  • Vehicle registration (original or copy, must be registered in CA)
  • Driver’s license (US issued or international)
  • Proof of income
  • Proof of address
  • Pictures of your car (front, back driver side, passenger side, VIN, and odometer)
  • Bank account and routing number for instant verification

Ready to build a better future? Apply now.

Personal loans Credit cards

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