A personal loan provides you with a lump sum of money that is paid back over a set period of time. The  money can be used for a number of personal expenses.

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. Approved applicants can receive funds quickly with direct deposit.  

Our personal loan application process is quick and easy. The process usually only takes around 10 minutes to complete once you’ve gathered the required documents. To apply for a personal loan, you’ll need to provide the following documents:

• Government-issued ID (from most countries)
• Proof of address, such as gas and electricity bills
• Proof of income, such as paystubs
• A list of your recurring monthly debt payments

After you submit your application and these documents, we’ll typically let you know if you’re application for a personal loan is approved in a matter of minutes.

We can disperse funds depending on what works best for you: check or a direct deposit into your bank account. We’ll make things as convenient as possible, and we’ll walk you through your options, which may vary based on the state where you live.

Payments are accepted at any Oportun store  or in hundreds of convenient locations that provide CheckFree Pay, MoneyGram, or PayNearMe. In Oportun stores, we accept cash, checks, and money orders. Please bring exact amounts, as we are not able to make change. However, we’ll credit any excess funds to your account. You can also pay at Walmart, Kmart, CVS, 7-Eleven, grocery stores, corner stores, Family Dollar stores, and hundreds of other locations that accept CheckFree Pay, MoneyGram, or PayNearMe payments. Oportun does not receive any portion of the fees charged by the vendors above for making a payment. No fees for using these payment options will be charged to customers in California, New Jersey, New Mexico, or Wisconsin if the loan was disbursed in these states.

• No fee: Find a CheckFreePay location —you will need your Oportun loan number (located in your loan documents), name, and phone number associated with your loan.
• No fee: Find a MoneyGram location —you will need your Oportun loan number (located in your loan documents). If you’re making payments on a personal loan, use receive code 7991. If you’re making payments toward an auto loan, use receive code 14565.
• Fee of $1.75 for cash / $.99 debit may apply: Find a PayNearMe location —you will need your PayNearMe barcode, located in your loan documents.