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.  

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.

We report your account behavior to nationwide credit bureaus. Each month, we let them know whether you’ve made your account payments on time and in full. You can establish positive credit when you make your requested payments on or before your due date, pay more than what is requested, or pay your account in full.  It generally takes at least six months to establish an initial credit score. If you miss payments or make late or incomplete payments, we also report that to the credit bureaus. Such behavior can negatively impact your credit score. The lender for the Oportun Visa Credit Card is WebBank, and the lender for personal loans in select states is Pathward N.A., and they report your account behavior to nationwide credit bureaus.