Apply for a secured personal loan today

No credit score required

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Affordable alternatives to payday and traditional title loans

All our personal loans offer fixed affordable payments, help you build credit, and you can get your money fast. With a secured personal loan, your car title is used to secure your loan. That lets us give you lower APRs and higher loan amounts.

With a secured personal loan:

  • Borrow up to $20,000
  • Have 21+ months to pay off your loan
  • Get a lower APR compared to traditional title loans
  • Continue to drive your car

Apply today

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  • Driver’s license
  • Vehicle title & registration
  • Pictures of the car (front, back, driver side, passenger side, VIN, and odometer)
  • Proof of income & address
  • Up to four references


What is a secured personal loan?

A secured personal loan is a personal installment loan that is secured by collateral. At Oportun, you can use your car as collateral to secure your loan.

Personal loans, Secured personal loans

Does my car need to be paid off in order to get a secured personal loan?

Yes, you must own your car. You can’t have any remaining payments on a car loan, and the title must be free and clear with no lien on it.

Personal loans, Secured personal loans

What type of vehicles are eligible for a secured personal loan?

The vehicle must meet our standards, including:

  • 25 model years (1995) or newer with fewer than 250,000 miles
  • Eligible vehicle makes: Acura, Audi, BMW, Buick, Cadillac, Chevrolet, Chrysler, Dodge, Fiat, Ford, Genesis, GMC, Honda, Hyundai, Infiniti, Jaguar, Jeep, Kia, Land Rover, Lexus, Lincoln, Mazda, Mercedes-Benz, MINI, Mitsubishi, Nissan, Ram, Scion, Subaru, Toyota, Volkswagen, Volvo
  • Ineligible vehicle makes: Exotic models, alternative fuel vehicles, electric models, leased vehicles, vehicles registered outside your state of residence, heavy-duty trucks greater than F350/3500 (12K GVW), cargo or conversion vans, commercial or “for hire” vehicles, salvage or branded title vehicles, flood or frame damaged vehicles, and vehicles with replaced or modified odometers
Personal loans, Secured personal loans
All questions

Apply today

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Secured loans

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Call us at 888-806-9170 with questions.