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 or Florida, 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

Buen servicio Cristina

profile picture

Jorge Ramirez

from Google

Cruza was an amazing help! Quick and easy

profile picture

Karen Ortega

from Google

Me encanta tu servicio son muy amables

profile picture

Aurora Rojas

from Google

Excelente servicio y asesoría. La Srita. Lorena tiene excelente atención, es muy amable. Estoy muy a gusto. Gracias.

profile picture


from Google

Muy profesional yudeymis

profile picture

Luis Cano

from Google

Excelente servicio de parte de las muchachas y muy rápido

profile picture

Agustin Santiago

from Google

Me gustó mucho la atencion que brindaron y la explicación que me dieron muchísimas gracias

profile picture

Manuel Diego Bautista

from Google

Ms. Giselle C. has great customer service! She took care of me and got me squared away. Definitely would recommend!

profile picture

Raven Landaverde

from Google

Buen servicio de Cristina grasias

profile picture

Samuel Trujillo

from Google

(Översatt av Google) Utmärkt betjäning (Original) Excelente servicio

profile picture

vantroich reyes

from Google

(Översatt av Google) Utmärkt betjäning (Original) Excelente servicio

profile picture


from Google


profile picture

Lisbeth Villasmil

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?


Ask your questions online



Speak with a team member

(866) 488-6090


Find your closest store

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

Apply now

We use cookies to bring you the best experience on our site. We never sell your information to third parties. When you use our site, you agree to our cookies policy. Find out more.