Affordable
secured personal loans

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

Apply now

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

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

Apply now

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

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

Apply now

We have 50,000 5-star reviews on Google

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

A+ rating by the Better Business Bureau (BBB)

Best consumer lending product by Fintech Breakthrough

CDFI certified by the U.S. Treasury Department

Questions

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.

Join the 1.8 million people who trust Oportun

Apply now

We use cookies to bring you the best experience on our site. We never sell your information to third parties. When you use our site, you agree to our cookies policy. Find out more.