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
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 $18,500—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
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 $18,500

Good for your future

Same fast, affordable loans that help build credit

Apply now
Illustration of a woman jumping with confetti
Illustration of a woman jumping with confetti

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 60,000 5-star reviews on Google and Trustpilot

Overall really nice service recommend

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Alejandra Ortiz

from Google

(Translated by Google) Excellent attention (Original) Excelente atención

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jeffry guillen santander

from Google

Great Customer Service Fast and Friendlyp

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from Google

Jonathan is a great worker

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Carmen Rondon

from Google

(Translated by Google) good service (Original) Bom serviso

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jair bueno

from Google

Store clean, with just one person assisting Christine, the services was not slow and really personalized. For sure will recommend this store.

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Elizmar Ruberté

from Google

great customer service. fast & reliable loans.

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Sandra Mata

from Google

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

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Emiliano Martinez

from Google

Supper friendly and explain everything right I’ll recommend Martie

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Maritza Martinez

from Google

Lorena was amazing! She helped me apply for my loan, guided me through the process and made everything hassle free. Awesome customer service!

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Yesenia Solano

from Google

Perfect customer service. Jessica and Areli were amazing !!!

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Wendy Maturino

from Google

(Translated by Google) excellent (Original) Exelente

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Yasmin Gomez

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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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 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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