Credit & debt

Back to financial education

Photo of a woman at work thinking about how she's on her way to get out of debt

How to get out of debt on a low income

Photo of a mom and daughter in the home she's paid off

How to pay off a mortgage

Photo of a mom who's managing her debt so she can focus on her kids

Signs to watch out for when managing debt

Lawyer shaking hands with client after discussing final contract agreement.

What is secured debt?

African American woman drinking tea while working on laptop

Six ways to raise your credit score

Smart Phone Showing Credit Score On A Screen

Where does my credit score start?

Photo of a man working in a desk on his laptop with a positive smile

What is a delinquent payment? 

photo of a happy man wearing glasses with a laptop on his computer sitting on a cafe learning on what is a credit builder loan with plants in the background and sunshine

What is a credit-builder loan?

Photo of a happy man holding his phone in a cafe checking his credit score

Is 700 a good credit score?

Photo of a woman holding her baby while working focused on bills and paper work.

What is a hard inquiry?

Photo of a woman holding a smartphone with both hands, checking her credit score.

What is a charge-off?

Photo of a man learning how amortization affects the cost of his loan

What is amortization?

Photo of a family sitting on a couch smiling at each other and happy with their financial decisions

Average personal loan interest rates

Oportun couple just took on smart debt with a new car

How to calculate your debt-to-income ratio

Photo of a mom getting in control of her finances with a debt management plan

Is a debt management program right for me?

Photo of a carpenter measuring wood for a precise cut

Does prequalification affect my credit score?

Photo of a man contemplating the smartest way to pay off debt.

Using a personal loan to pay off debt

Grandpa gardens with his grandson knowing he'll be able to pass on APR-free assets to him due to his fixed rate loan

Fixed vs. variable interest rates: What’s the difference?

Photo of a man on couch comparing a loan offer to a line of credit offer

What’s the difference between a personal loan and a line of credit?

Photo of a mom and her baby calculating APR on a loan offer

APR vs. interest rate: What’s the difference?

How long does it take to build credit?

What is an unsecured personal loan?

How to improve your credit score

What is an APR and how does an APR work?

How to refinance your credit card debt

Is no credit score better than low credit?

Paying off debt: The avalanche method

Paying off debt: The snowball method

How does cosigning work?

Young creative man working on computer while sitting at a desk at home. Business and freelance concept.

What is an interest rate?

Close-up view of man and woman making account of family income.

How long do late payments stay on your credit report?

Cropped shot of an affectionate couple going through paperwork while doing their budget at home

Should I pay off my credit card debt right away?

Man reviewing his to do list on his phone and scheduling tasks into his calendar.

How often is my credit score updated?

Beautiful young brunette woman sitting in cozy kitchen by a table and working on her laptop computer.

Credit card terminology 101

Portrait of a puzzled man looking at laptop at modern home.

Why did my credit score drop?

Shot of a young woman relaxing while working in the living room at home

What is debt consolidation?

Couple reviewing paperwork and cross referencing the documents with information non their computer.

Don’t be fooled by these six credit myths

Mother going through bills with daughter

How to make a debt payment plan

A diverse collection of 110 portraits, all are positive or smiling, laughing.

How much debt does the average American have?

Shot of an affectionate young couple looking over some paperwork at home

What’s the difference between good debt and bad debt?

Smiling young woman lying on her living room sofa shopping online with a credit card and laptop

Using recurring payments

Illustration of credit history forms with labels good and bad

What is credit history?

Illustration of a clipboard, calendar, calculator, and envelope with cash

What do I need to know about credit reports?

Illustration of a computer screen displaying credit score gauge

What is a credit score?

Illustration of a credit score gauge

Credit smarts: What’s a credit score and how do I get my credit report?

Image of couple unboxing in their new apartment, made possible through their Oportun loan

Establish your credit history with the right loan

What is a credit score and why does it matter

Image of a credit report document

Credit reports: What are they and why do I need one?

Image of woman standing by the Oportun front desk

Credit reports & credit scores: Learn the difference

Image of Oportun customer with his infant daughter at an Oportun counter learning about loans

What is a FICO^® credit score and what goes into it

Green pie chart of what makes up a FICO credit score

Improving your credit score: Amounts owed

Green pie chart of what makes up a FICO credit score

Improving your credit score: Length of credit history

Green pie chart of what makes up a FICO credit score

Improving your credit score: Credit mix and new credit

Photo of an Oportun employee revieweing a loan contract with a new customer

Improving your credit score: Payment history

Ready to build a better future? Apply now.

Personal loans

Ready to build a better future? Apply now.

Personal loans Savings

We care for your privacy and never sell your information to third parties. We use cookies to bring you the best experience on our website. When you use our site, you agree to our privacy policy.

This site is registered on wpml.org as a development site. Switch to a production site key to remove this banner.