Need a loan?

We’re here for you.

If you need a personal loan and have limited or no credit history, we can help. On average, our customers save $1,000 on their first personal loan when they choose Oportun over other available alternatives. Plus, we report to nationwide credit bureaus, so you can establish your credit history.

We offer personal loans with fixed and affordable payments, so you’ll always know how much you owe—and when. You don’t need a credit score and there’s no fee to apply. And most borrowers receive their funds within 24 hours.

Apply now

Voices from our community

The help that Oportun has given me will always stay in my heart. They always give me a chance. They never fail me.

Amelita

Voices from our community

The loan was easy. The people were friendly. I do feel like a part of the community.

Jerry

Voices from our community

I think having good credit in the U.S. is indispensable. Thanks to Oportun, they gave me the opportunity to start building my credit and reach my goals.

Eduardo

Get an affordable loan, quickly

  • Loans available from $300 to $9,000
  • Fixed and affordable payments
  • No credit score required
  • Funds delivered fast—often within 24 hours

 

Apply now

QUESTIONS

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

What documentation do I need to apply for a personal loan?

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
Applications, Personal loans

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
All questions

Voices from our community

The help that Oportun has given me will always stay in my heart. They always give me a chance. They never fail me.