personal loans

The affordable alternative to traditional title loans in California and Florida

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Get prequalified in minutes without affecting your credit score. Available in California and Florida.

Secured personal loans for people like you

Get $2,525 to $20,000

Typical ranges of $3,200 to $10,000

Keep driving your car

While you pay off your loan

Low APRs

No higher than 35.99%

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Use your loan for the things you need

Home improvements

Car repairs

Rental deposits

Medical bills


Unexpected expenses

One application,
two loan options

If you live in California or Florida, you may be able to choose a bigger loan with a lower APR with a secured personal loan.

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From our community

They’ve given us 50,000 5-star reviews on Google

Mu buen servicio raoido y orofeciinal me ayudl msris es muy atenta y

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Very good service thanks Oportun

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(Translated by Google) Excellent and very fast (Original) Excelente y muy rápido

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Cruza was an amazing help! Quick and easy

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Excelente servicio y asesoría. La Srita. Lorena tiene excelente atención, es muy amable. Estoy muy a gusto. Gracias.

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Ms. Giselle C. has great customer service! She took care of me and got me squared away. Definitely would recommend!

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A+ rating by the Better Business Bureau (BBB)

Best consumer lending product by Fintech Breakthrough

CDFI certified by the U.S. Treasury Department

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Tools & learning


A secured personal loan is an installment loan that is secured by collateral. At Oportun, you can use your car title as collateral for a secured personal loan. Your car stays with you, and you can continue driving as usual while you make your loan payments.

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.

The vehicle must meet our standards, including:

  • 25 model years (1995) or newer with fewer than 250,000 miles
  • Eligible vehicle makesAcura, 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
More questions

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personal loan and find out if you qualify for a secured personal loan

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