Affordable personal loans

Get prequalified in minutes without affecting your credit score

Apply now

Personal loans for people like you

From $300 to $10,000

For bills, repairs, deposits, and more

Affordable APRs

No higher than 35.99%

Secure application

Protected by 128-bit SSL encryption

Use your loan for the things you need

Home improvements

Car repairs

Rental deposits

Medical bills


Unexpected expenses

Explore example payments and rates

Terms change by state.

Here’s what you might expect

Months to repay
Number of payments
These are examples of available pricing for standard personal loans only and does not apply to secured personal loans. Actual terms will vary, subject to credit approval, by applicant and state law, and may include an origination or administrative fee. Loan amount and terms may change without prior notice.

One application,
two loan options

If you live in California, Florida, or Texas you may be able to choose a bigger loan with a lower APR by using your car as collateral.

Learn more

From our community

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

Brenda was very nice and helpful!

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Fernando Contreras

from Google

I love how they treated me.

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ashley jenkins

from Google

Me agrado la ayula de la representante Anabel

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Sara Morales

from Google

The ladies at oportun were extremely helpful and professional. Adriana finalized my loan and was very sweet and thorough with all the details. I truly feel like Yesica went above and beyond to help me get my loan. She was very patient and made sure to provide me with as much information as she could so that I could understand the process. I’m so thankful she was there to help and guide me. I would highly recommend the service at this location.

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susan Gutierrez

from Google

Had a great experience here. Martin was such a great help and he explained everything so well.

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Valerie Guzman

from Google

Had a very great experience so friendly and very helpful, will recommend to friends And family.

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naomi Cortes

from Google

They are very helpful !!!

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Anna Montes

from Google

Great service! Martin was really helpful and help me refinance loan fast and easy! Would definitely tell friends and family about this place!

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Arnold Rosales

from Google

Great service, very professional!

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Yoilan Arencibia

from Google

(Translated by Google) Very kind (Original) Muy amables

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Karla julissa Cea Henríquez

from Google

(Translated by Google) Quickly (Original) Rápidamente

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Max Cordero

from Google

Excellent service, super recomendado

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Carlos Macario

from Google

A+ rating by the Better Business Bureau (BBB)

Best consumer lending product by Fintech Breakthrough

CDFI certified by the U.S. Treasury Department

Join the
1.9 million people who trust Oportun

Still have questions?


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(866) 488-6090


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Tools & learning


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. Most approved applicants receive their funds the same day they apply.


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.
  • A $1.99 fee may apply: Find a PayNearMe location —you will need your PayNearMe barcode, located in your loan documents.

Options for auto loan payments are temporarily limited while we roll out this new product, but we’re adding new options all the time.

More questions

Apply for a personal loan

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