An affordable loan is within your reach

See if we offer personal loans near you


Oportun offers loans with fixed and affordable payments, so you’ll always know how much you owe—and when.

Loans from $300 to $10,000 are available. You don’t need a credit score and there’s no fee to apply. And most borrowers receive their funds within 24 hours. Unlike other alternative lenders, we report customer accounts to nationwide credit bureaus, so you can begin to establish credit history and improve your opportunities.

In other words, we help make things simple whether you’re dealing with an unexpected emergency, an urgent bill, or a home repair that’s adding up.

Voices from our community

The help that Oportun has given me will always stay in my heart. They always give me a chance. They never fail me.


Voices from our community

The loan was easy. The people were friendly. I do feel like a part of the community.


Voices from our community

I think having good credit in the U.S. is indispensable. Thanks to Oportun, they gave me the opportunity to start building my credit and reach my goals.



If you need a loan and have limited credit history, we’re here to help

Get started right away

All you need is an official government ID from any country, proof of income, proof of address, and four references from either friends, family, or colleagues.

Spend less with a loan from Oportun

On average, our customers save $936 on their first personal loan when they choose Oportun over other available alternatives. Our personal loans cost a fraction of payday and pawn loans. And we don’t charge prepayment penalties.

Committed to making life better

We’ve been helping members of our community build better lives for more than a decade. To date, we have helped over 1 million people take control of their futures.


Average savings for first-time personal loan customers


Loans made


Total credit provided


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, Auto loans, Personal loans

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
All questions

Voices from our community

The help that Oportun has given me will always stay in my heart. They always give me a chance. They never fail me.