GET AHEAD WITH A PERSONAL LOAN

Join the 1.4 million people who trust Oportun

Checking whether you’re prequalified won’t impact your FICO® credit score

WHAT WE OFFER

Get an affordable loan, quickly

  • Loans available from $300 to $6,000
  • Fixed and affordable payments
  • No credit score required
  • Funds delivered fast—often within 24 hours
  • Friendly, bilingual service at convenient hours

$1,000

Average savings for first-time personal loan customers

3.1 MILLION

Loans made

$6.8 BILLION

Total credit provided

APPLY FOR YOUR PERSONAL LOAN

Checking whether you’re prequalified won’t impact your FICO® credit score

QUESTIONS

How fast is the application process for a personal loan?

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.

Applications, Personal loans

Can I be prequalified without impacting my credit score?

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

When we are ready to make a final decision on your loan application, we run a hard credit pull, which can impact your credit score. Learn more about hard and soft credit pulls.

Applications, Auto loans, Personal loans

How does Oportun help me build a credit history?

Unlike other alternative lenders, we report your account behavior to nationwide credit bureaus. Each month, we let them know whether you’ve paid your loan payments on time and in full. You can establish positive credit when you make your requested payments on or before your due date and pay off your loan 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.

Auto loans, Establishing credit, Payments, Personal loans
All questions

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