We believe everyone deserves access to affordable credit—especially during times of crisis. We’re committed to providing better loans that help establish credit history and resources that strengthen financial wellness. Our commitment remains strong during this difficult time, and our hearts go out to all those affected by the coronavirus.

We’ve been quickly adapting our business to better serve you by:

  • Making it easier to do business with us from home
  • Implementing new safety practices in our locations
  • Creating a list of resources and assistance (and we’re adding to it daily)
  • Taking care of our employees and communities

Worried about making a payment?

We can help. If you’re impacted by COVID-19, we offer a number of payment options, including reduced payments and deferrals, depending on your situation. Plus, because we know how important your credit score is, we won’t report any skipped payments as late if you make arrangements with us in advance.* Please call, text, or email so we can help.


Quick links

We’re open
Resources & government assistance
Keeping your information secure
Supporting our community

We’re open

We know our services are essential to you. Whether you are sheltering in place or need to come in to see us, you can count on us.


Over the past few weeks we’ve been making it easier for you to do business with us online so you can stay safe at home. You can now set up an online account or pay online with a debit card or through your bank account.

By phone & text

We’re getting far more calls than usual right now and apologize in advance if you have to wait to speak to us.

To help, we’ve launched a text bot. Today it can only respond to customers with simple questions about loan balance, payment amount, or due date. But we’re adding new features and soon you’ll be able to use it to make a payment. Please use the phone number we have on file.

In person

Our doors are open. Some locations may have shorter hours or temporary closures during this period, so check our website or Google maps before you go—we’re updating hours daily. Remember, you can also pay in person at hundreds of other essential businesses such as Walmart, Kmart, 7-Eleven, CVS, and other grocery stores and pharmacies that accept CheckFree Pay, MoneyGram, or PayNearMe payments.

To keep everyone safe and healthy, we’re cleaning surfaces multiple times a day with high-grade disinfectant, sanitizing our hands after each transaction, and staying home when we aren’t feeling well. You may notice that we are:

  • Enforcing social distancing of six feet
  • Limiting the number of people inside a location
  • Adding plexiglass sneeze guards to our countertops
  • Providing hand sanitizer
  • Wearing face masks

Resources & government assistance

When things get tough, many people, organizations, and government services step up to help the people hit hardest. We’re keeping an eye out for great resources and updating this list frequently with information about:

  • Who’s hiring
  • Health & wellness tips
  • Personal finance & tax information
  • Government assistance & benefits

Find resources

Local COVID-19 support

Find local nonprofit and government programs through our friends at SpringFour that can help with:

  • Emergency food assistance, such as school lunch substitutes and government food benefits programs
  • Financial health and recovery, such as government benefits and ways to save on utilities and expenses
  • Health guidance from the Center for Disease Control (CDC) and others

Look up

Government assistance & benefits

The United States Congress recently passed two bills to provide COVID-19 relief. Here are the highlights:

  • COVID-19 tests are free to most people
  • You may be eligible for up to 80 hours of paid sick leave if you are officially quarantined and / or have been diagnosed with coronavirus
  • You might qualify for partially paid- eave if you’re, (1) taking care of someone in quarantine or with coronavirus, or (2) caring for a child that can’t go to school or childcare right now
  • You may receive a $1,200 stimulus payment from the government if you have a Social Security number and earned less than $75,000 based on 2018 taxes as a single person
  • Unemployment benefits may add $600 to your weekly payment

Read more

Financial coaching

Our partner UnidosUS offers free financial coaching to all our customers. Call for advice on how to pull through this pandemic.


Keeping your information secure

Cyber criminals are taking advantage of the coronavirus pandemic to exploit others—stealing their identities, dipping into bank accounts, or squirreling away personal information. To avoid fraud and scams:

  • Be careful giving out personal information, even when it appears to come from a legitimate source; this is a common tactic of cyber criminals
  • Do not respond to suspicious emails or text messages
  • Do not click on suspicious links or open email attachments from unknown senders
  • Use strong, unique passwords: the best passwords are at least 14 characters long and include numbers and symbols; free password manager programs can also help
  • Be careful using public wi-fi: anyone connected to the same network can listen in to what your computer is sending and receiving across the internet

Oportun will never ask you for confidential information over email, including usernames or passwords.

Supporting our community

The needs in our community continue to grow. We’ve committed a total of $250,000 in donations to those directly addressing this pandemic, including $150,000 in charitable grants to community-based nonprofits serving families impacted by COVID-19 and a $100,000 grant to our own Oportun Employee Assistance Fund.

Caring for our employees

We’re committed to promoting the health and livelihoods of our 3,000+ employees. We’ve taken proactive steps to expand the benefits we provide to help them through this challenging time. We are:

  • Providing employees with additional paid leave if they or their loved ones become sick
  • Reimbursing our retail employees for extra childcare expenses due to COVID-19 school and daycare closures
  • Taking steps so that no one at Oportun has been laid off

Learn more about Oportun’s response to COVID-19


COVID-19 scams: Five things to look out for

While most of us like to celebrate the way people come together during times like these, there’s no denying that criminals take advantage of a...
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How to financially survive during the coronavirus crisis

Whether or not your job has been impacted by the COVID-19 epidemic, we’re all figuring out how to get through this crisis. Many of us...
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How the FFCRA and CARES Act can help you

Last month, we were excited to see the United States congress pass two bills to provide COVID-19 relief: the Families First Coronavirus Response Act (FFCRA)...
Learn more
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Your list of resources to get through COVID-19

When things get tough, many people, organizations, and government services step up to help the people hardest hit. These unprecedented times are no different. We’re...
Learn more
slide photo 4


What we’re doing during the COVID-19 crisis

Updated March 27, 2020—We’re doing everything we can to continue helping our community. Here’s how we’re responding to the COVID-19 crisis. These are challenging times,...
Learn more
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Learn more about personal finances, good money habits, success stories—and more


Learn all about credit—and more

From Oportun

  • What is a credit score and why does it matter? Read more
  • What is a FICO® credit score and what goes into it? Read more
  • Improving your credit score: Payment history Read more

From our friends at Consumer Action, a nonprofit partner


Build new opportunities with support and services from our partners

Financial coaching

If you want to learn about your credit score or could use guidance on how to save for a long-term goal, we’ll put you in touch with UnidosUS for free financial coaching.

Local partners

Our partner SpringFour can help you discover nonprofit and government services near you. Save money, access healthcare, find a job, or look for vouchers to help you cover pressing costs.


How does Oportun help me build a credit history?

Unlike 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

Can I be prequalified without impacting my credit score?

Yes. 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 loans

What is a FICO® credit score?

Credit scores try to estimate the likelihood that a borrower will pay back debts on time. There are many types of credit scores developed by different companies, but the FICO® score, developed by Fair Isaac Corporation, is one of the most commonly referenced credit scores.

According to Fair Isaac Corporation, your FICO® credit score is a number between 300 and 850, and is calculated by a formula that takes into account the following factors:

  • Payment history (35%)
  • Amount owed (30%)
  • Length of credit history (15%)
  • Credit mix (10%)
  • New credit (10%)
Auto loans, Credit cards, Establishing credit, Personal loans
All questions

*Any existing past due status will continue to be reported. Finance charges will continue to accrue during enrollment in our hardship program.