Whether you’re already a member of the Oportun community or still thinking about it, we care about helping you build a better future—and we have the tools to get you started.


Credit smarts: What’s a credit score and how do I get my credit report?

It’s National Financial Awareness Day, and we’re celebrating by kicking off a monthly series about all things credit. In this series, we’ll try to answer...
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3 Questions to ask yourself before applying for a loan

Life is full of surprises, and some of them require extra cash. You may have the opportunity to move into a bigger and better rental...
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Laura’s story and how her loan choice affected her life

How much of a difference can it make to choose one kind of loan over another?  A huge difference. Read Laura’s story about her possible...
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What is an installment loan and how does it work?

If you’ve ever had to shop for a loan, you know that the vocabulary can be confusing. In this post, we will do our best...
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Learn all about credit—and more

  • 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


Learn more about personal finances, good money habits, success stories—and more


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 paid your loan payments on time and in full. You can establish positive credit when you make your requested payments on or before your due date and pay off your loan 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.

Auto loans, 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 we are ready to make a final decision on your loan 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, Establishing credit, Personal loans
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