Get a $25 gift card with your first personal loan by providing the code below during your application:
Get prequalified in minutes
Provide the referral code with your application
Complete your application
All you need is a valid photo ID, proof of income, and proof of address
Get your money quickly
Receive your loan funds in as little as 2 hours. Get your $25 gift card.
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.
Applications, Personal loansYes. When we prequalify you, we run a soft credit pull, which does not impact your FICO® credit score.
When a final decision is made on your application, we run a hard credit pull, which can impact your credit score. Learn more about hard and soft credit pulls.
Applications, Auto loans, Personal loansUnlike other alternative lenders, 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, Member FDIC, which is who reports your account behavior to nationwide credit bureaus.
Auto loans, Credit cards, Establishing credit, Payments, Personal loans