A+ rating by the Better Business Bureau (BBB)
Best consumer lending product by Fintech Breakthrough
CDFI certified by the U.S. Treasury Department
Why Oportun
Affordable
Pay less and get more compared to non-bank lenders
Fast funding
With direct deposit
Trusted
9 of 10 members would refer their friends and family to Oportun
We have 60,000 5-star reviews on Google and Trustpilot
Great staff! Easy & quick process. Thanks oportun!
Very nice employees and very helpful!!
Quick to help, curious and caring.
Questions
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
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.
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.