Loan calculator
Here’s what your secured personal loan terms could look like. Check eligible states below.
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Get prequalified in minutes without affecting your credit score
Here’s what you might expect
Apply once and get two great options
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Start your loan application
Apply once and find out if you qualify
for two loan options
You can apply for both a secured and unsecured personal loan in one application and choose what’s best for you. Secured personal loans have distinct benefits*:
Lower APRs
Compared to traditional title loans
Larger loan amounts
From $2,525 to $18,500 with your car title as collateral
Fast funds
With direct deposit
You must possess your car title and live in a state where a secured personal loan is offered. See state list.
A loan through Oportun comes with benefits
An affordable choice
Payday loans and traditional title loans cost 2-4 times more
Good for your future
Help build positive credit, with regular on-time payments
Pay for what you need, when you need to
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.
Become even savvier about secured personal loans
Great staff! Easy & quick process. Thanks Oportun!
Very nice employees and very helpful!!
Quick to help, curious and caring.
A+ rating by the Better Business Bureau (BBB)
#1 savings app of 2025 by Bankrate
CDFI: Certified by U.S. Department of the Treasury
Any questions?
Here’s a few we’ve answered before.
What is a secured personal loan?
Does my car need to be paid off in order to get a secured personal loan?
What happens to my car if I become delinquent on my loan?