Affordable
personal loans

You may already be prequalified for a personal loan from $300 to $12,000 with fixed, affordable payments and no pre-payment penalties
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Illustration of a phone screen notifying that your loan has been funded and a woman with her hands in the air holding a prize
Illustration of a phone screen notifying that your loan has been funded and a woman with her hands in the air holding a prize

A+ rating by the Better Business Bureau (BBB)

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Best consumer lending product by Fintech Breakthrough

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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

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Illustration of man holding a drill, purchased along with other materials using a personal loan, in front of his home
Illustration of man holding a drill, purchased along with other materials using a personal loan, in front of his home

We have 60,000 5-star reviews on Google and Trustpilot

Great staff! Easy & quick process. Thanks oportun!

Leticia Yniguez

from Google

Very nice employees and very helpful!!

Sabrina Campos

from Google

Quick to help, curious and caring.

mobilewarner351

from Google

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.

Our members have saved
$2.3 billion
in interest and fees

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