Affordable secured personal loans

Get more money when you use your car title to secure your loan

Apply now

Available for car owners in Arizona, California, Florida, and Texas. Get prequalified in minutes without affecting your credit score.

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

Apply once and get two loan options

Choose a personal loan or secured personal loan

  • Get $300 to $10,000 if you don’t secure your loan
  • Get more money—$2,525 to $20,000—if you do secure your loan with your car title
  • Both options offer the same great benefits

Available in Arizona, California, Florida, and Texas
Apply now Learn more

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

Why secure your loan?

Low APRs

The affordable alternative to traditional title loans

Get more money

Between $2,525 and $20,000

Good for your future

Same fast, affordable loans that help build credit

Apply now
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Use your loan for the things you need

Home improvements

Car repairs

Rental deposits

Medical bills


Unexpected expenses

From our community

They’ve given us 50,000 5-star reviews on Google

Iris good customer service

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Chepe Terron

from Google

Great customer service. Araceli was very nice and answered all my questions.

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Claudia Oviedo

from Google

(Translated by Google) Good attention (Original) Buena atencion

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Guadalupe Uyoa

from Google

Best place in my opinion

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Diego Oliva

from Google

Very pleasant and professional needs raise

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Jorie Adams

from Google

My service today with oportun was awesome. Genesha took her time to explain things to me.Thank you.

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Patricia Amponsah

from Google

Thank you Maria Q. & the rest of the staff at Oportun, they did an amazing job at assisting me with my personal loan. Thank you Oportun! God bless.

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Brandon Ramirez

from Google

Nice people

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Evil Reaper

from Google

Had gotten great service and great help by Maricela. Was approved very quick. Outstanding service overall.

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juan torres

from Google

Camille was great

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Kim Johnson

from Google

I went to apply for a loan the proceeds was super quick and easy Daisy helped me out and the customer service was excellent

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abraham hernandez

from Google

Excellent service,

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Armando Lopez

from Google

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

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Still have questions?


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Tools & learning


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.

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.

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
More questions

Apply once
and find out if you qualify for both loan options

Apply now

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