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Pathward General Product Information
1. Personal loans information
Lender information: Personal loans in CA, ID, MO, NM and WI are originated by Oportun Inc. NV loans originated by Oportun, LLC. Personal loans in AL, AK, AR, AZ, DE, FL, GA, HI, IL, IN, KS, KY, LA, MI, MN, MS, MT, NC, ND, NE, NH, NJ, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA and WY are originated by Pathward, N.A..
Product terms: Loans 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 credit reporting agencies until you submit for final approval. Typical personal loan amounts are $500 to $4,000 for new customers and $1,500 to $6,600 for returning customers, based on information from previously approved loans which may not represent current terms.
Pricing information: Loan amounts for unsecured personal loans vary by state: loans above $6,000 are not available for first-time borrowers; loans below $3,100 are not available in GA; and loans below $1,600 are not available in HI. A secured personal loan from $2,525 to $18,500 is only offered by Oportun through the personal loan application to qualifying customers in CA subject to certain terms and conditions. An unsecured personal loan of $3,000 could have 66 payments of $70, due every 2 weeks over 30 months, at a 35.95% APR. A secured personal loan of $7,000 in California could have 91 payments of $134, due every two weeks over 42 months, at 34.95% APR. An origination fee will apply and is included in the APR. For example, an unsecured personal loan of $3,000 would have 66 payments of $70, due every 2 weeks over 30 months, at a 35.95% APR. For example, a secured personal loan of $7,000 in California would have 91 payments of $134, due every two weeks over 42 months, at 34.95% APR. An origination fee will apply and is included in the APR.