We doubled our referral bonus!Secure your loan, secure more funds
Get between $2,525 and $18,500 when securing your loan with your car title.
Prequalify in minutes without affecting your credit score.
Currently only available for California, Florida, and Texas residents. See terms
Loan calculator
Here’s what your secured personal loan terms could look like. For California, Florida, and Texas residents.
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Get prequalified in minutes without affecting your credit score
Here’s what you might expect
Apply once and get two great options
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Apply once and find out if you qualify
for two loan options
You can apply for both a secured and unsecured personal loan in one application and choose what’s best for you. Secured personal loans have distinct benefits*:
Lower APRs
Compared to traditional title loans
Larger loan amounts
From $2,525 to $18,500 with your car title as collateral
Fast funds
With direct deposit
You’re eligible if you possess your car title and live in California, Florida, or Texas
An affordable choice
Payday loans and traditional title loans cost 2-4 times more
Good for your future
Help build positive credit, with regular on-time payments
Pay for what you need, when you need to
Home improvements
Car repairs
Debt Consolidation
Medical bills
Vacations
Weddings
Become even savvier about secured personal loans
Get a secured personal loan and get one step closer to meeting your financial goals
Don’t just take our word for it
80,000 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.
A+ rating by the Better Business Bureau (BBB)
#1 savings app of 2023 by Bankrate
CDFI: Certified by U.S. Department of the Treasury
Any questions?
Here’s a few we’ve answered before.
What is a secured personal loan?
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.
Does my car need to be paid off in order to get a secured personal loan?
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.
What happens to my car if I become delinquent on my loan?
We understand that unexpected things happen. Please let us know right away if you think you won’t be able to make a payment. Call us at 855-754-5491 and we’ll try to work something out. If your loan remains delinquent without any payment arrangements, you could lose your car.