Affordable secured personal loans

Get more money when you use your car title to secure your loan

Apply now

Available for car owners in California, Florida, and Texas. Get prequalified in minutes without affecting your credit score.

Illustration of a man holding his car title while standing next to his vehicle

Apply once and get two loan options

Choose a personal loan or secured personal loan

  • Get $300 to $10,000 if you don’t secure your loan
  • Get more money—$2,525 to $20,000—if you do secure your loan with your car title
  • Both options offer the same great benefits

Available in California, Florida, and Texas
Apply now Learn more

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Why secure your loan?

Low APRs

The affordable alternative to traditional title loans

Get more money

Between $2,525 and $20,000

Good for your future

Same fast, affordable loans that help build credit

Apply now
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Use your loan for the things you need

Home improvements

Car repairs

Rental deposits

Medical bills


Unexpected expenses

From our community

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

Great customer service also quick.

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Jesus Silva

from Google

Excellence, people in oportun very helpful!

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Tita Lupisan

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Very good service !

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Rosie Moreno

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Wow amazing, super fast, great attention. Thanks guys.

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Pato De Jesús

from Google

Alex great service. Will recommend her to anyone.

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eduardo Chavez

from Google

Thank excellent

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Luis Michel

from Google

Carolina was very friendly professional and knows her job very well please give her a raise and promotion a person like this push a company to excellence thank you.

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P Clybur

from Google

Excellent Service with Mrs. Brenda

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Zayda Moreno

from Google

Very professional experience and kind representatives

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Johnathan Gutierrez

from Google

Very easy to apply and nice professional staff

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Gladis Loera

from Google

If in need of a loan this is the place to go!!!

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Rosario Gamboa

from Google
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Still have questions?


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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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