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Personal loans that put you in control
Customize your loan terms with amounts ranging from $300 to $10,000
Get prequalified in minutes without affecting your credit score
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Why get a personal loan?
Personal loans can cover an expense you have now, whether it’s an opportunity you can’t pass up or an unexpected emergency. Use a loan to visit your family, consolidate debt, repair your car, or for other personal needs. Pay it back over months in fixed payments designed to fit your monthly budget.
When you’ve got control over your finances, you’ll get to focus on the things that matter.
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Here’s what you might expect
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Personal loans you can count on
From $300 to $10,000
For bills, repairs, debt consolidation, and more
Affordable APRs
No higher than 35.99%
Fast funding
Get your loan quickly through direct deposit
Let’s say you need a larger loan
Use your car title to secure your personal loan and secure more funds—$2,525 to $18,500. Secured personal loans through Oportun come with lower APRs than traditional auto title loans. Plus they’re fast, affordable, and can help you build credit with on-time payments. Available in Arizona, California, Florida, Illinois, New Jersey, and Texas.
How to get a personal loan
1
Prequalify in minutes to see your personalized loan offer, without impacting your credit score.
2
Complete your loan application and if approved, choose a payment plan that fits your budget.
3
Choose direct deposit (fastest) or a check so you can start using your loan funds to get back in control.
Use a personal loan to pay for what you need, when you need to
Get quick access to funds so you can focus on what matters, instead of how to pay for it
Home improvements
Go ahead, paint those walls or replace that sink. With a personal loan, you don’t have to wait to spruce up your space.
Car repairs
Not everyone has the luxury of being financially prepared for car repairs, but you can get a personal loan quickly if you aren’t.
Weddings
Planning your big day should make you smile. Using a personal loan for a wedding is a great way to make paying for your wedding a breeze.
Vacations
Make your dreams of getting away a reality. Use a personal loan to book those plane tickets now and pay them off later.
Medical expenses
When it comes to health, money is the last thing you want to think about. Let Oportun help you cover medical costs with a personal loan, so you can focus on what matters.
Debt consolidation
With a personal loan, you can pay off multiple debts like credit cards and payday loans, then chip away at one bill instead of multiple.
Don’t just take
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100,000 5-star reviews on Google and Trustpilot
This is a great place to start building credit.
Quick to help, curious and caring.
Excellent, my experience was that in less than 24 hours the money they lent me was deposited into my account.
I am grateful for the opportunity and the trust they have given me. I recommend it 100%.
Willing to work with you very attentive to the customer ,very oriented when explaning the details.
Become even savvier about personal loans
Any questions about loans?
Here are a few we’ve answered before.
What is a personal loan?
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.
What is the difference between a personal loan and a secured personal loan?
The biggest difference is that our secured personal loans require you to secure your loan with your car title, while our standard personal loans do not. It’s usually easier to get approved for a loan this way. You may also be able to get a lower APR, a higher loan amount, and/or longer time to pay back your loan. As with all our personal loans, you get fixed, affordable payments and we report to national credit bureaus to help you build credit with regular, on-time payments.
How could Oportun help me build a credit history?
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.
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. Approved applicants can receive funds quickly with direct deposit.
Can I be prequalified without impacting my credit score?
Getting prequalified won’t impact your credit score. A prequalification only requires a soft inquiry of your credit report. Soft inquiries allow lenders to see some information from your credit report without impacting your credit score.
If you choose to submit a formal application, a hard credit inquiry will be conducted. Hard inquiries can impact your credit score. Learn more.
What factors does Oportun consider when granting a loan?
We know that you are more than just a set of numbers or a credit score. If you have a credit history, we will look at it, but we also consider other information. We may even approve you if you’ve faced bankruptcy.
How do I get my personal loan funds?
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.
How can I make a personal loan payment in person?
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.