Join the 1.8 million people who trust Oportun

888-907-7061 Apply by phone Apply in person Apply online

Get a loan fast

  • Get prequalified in minutes (won’t impact your FICO® credit score)
  • Funds often delivered the same day
  • No credit score required to apply

Enjoy Oportun’s benefits

  • Cheaper than payday loans
  • Affordable payments
  • Establish your credit history

Here’s what you’ll need

  • Valid ID
  • Proof of income and address
  • Up to four references

Learn more


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

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 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.

Applications, Credit cards, Personal loans
All questions


SEM – section – all

Sorry, this offer has expired.

Call us at 888-806-9170 with questions.