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
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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
Use your loan for the things you need
Home improvements
Car repairs
Rental deposits
Medical bills
Vacations
Unexpected expenses
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A+ rating by the Better Business Bureau (BBB)
Best consumer lending product by Fintech Breakthrough
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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.
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 makes: Acura, 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
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