secured personal loans

Apply for a secured personal loan from $2,525 to $20,000 with fixed, affordable payments and no pre-payment penalties.

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Get prequalified in minutes without affecting your credit score. See terms

Illustration of a man holding his car title while standing next to his vehicle

Why Oportun

Affordable payments

An affordable alternative to payday and traditional title loans

Fast funding

With direct deposit

Build credit

When you pay on time and in full

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

Secured personal loans from $2,525 to $20,000
See terms

21+ months
to pay your loan

Low APRs
never higher than 35.99%

One application,
two loan options

Now when you apply, see if you qualify for a personal loan, secured personal loan, or both.

Apply now
Illustration of a phone screen with a secured personal loan offer along with a personal loan offer

What you need to apply

Valid ID

Proof of income and address

Up to 4 references

Plus, for a secured personal loan:

Car registration, car title, and 3 car photos

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A secured personal loan is an installment loan that is secured by collateral. At Oportun, you can use your car title as collateral for a secured personal loan. Your car stays with you, and you can continue driving as usual while you make your loan payments.

The vehicle must meet our standards, including:

  • 25 model years (1995) or newer with fewer than 250,000 miles
  • Eligible vehicle makesAcura, Audi, BMW, Buick, Cadillac, Chevrolet, Chrysler, Dodge, Fiat, Ford, Genesis, GMC, Honda, Hyundai, Infiniti, Jaguar, Jeep, Kia, Land Rover, Lexus, Lincoln, Mazda, Mercedes-Benz, MINI, Mitsubishi, Nissan, Ram, Scion, Subaru, Toyota, Volkswagen, Volvo
  • Ineligible vehicle makes: Exotic models, alternative fuel vehicles, electric models, leased vehicles, vehicles registered outside your state of residence, heavy-duty trucks greater than F350/3500 (12K GVW), cargo or conversion vans, commercial or “for hire” vehicles, salvage or branded title vehicles, flood or frame damaged vehicles, and vehicles with replaced or modified odometers

Yes, you must own your car. You can’t have any remaining payments on a car loan, and the title must be free and clear with no lien on it.

Our members have saved
$2.2 billion
in interest and fees

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