Auto loans

We help make car buying simple so you can find the car that’s right for you


Ready for a new car? Apply from the comfort of your own home

An Oportun customer recently purchased a vehicle using an auto loan.

Whether you want to purchase a vehicle from a dealership or a private seller, we’ll be there for you every step of the way. Our auto specialists will guide you through the process and handle all the loan paperwork.

Apply online for $5,000 to $30,000 in financing and receive a decision within minutes. There’s no fee to apply and no credit score needed. Once you know your budget, you can focus on finding the car that’s right for you.



Get prequalified so you know how much you have to spend


Design your loan terms to fit your budget


Leave the loan paperwork to us and drive away in your new car


Woman looking optimistically at the reflection of her new car that she was able to finance with an Oportun auto loan.

Unlike other alternative lenders, we report to nationwide credit bureaus. So when you take out a loan with Oportun and repay it on time, you’re establishing your credit history, taking control of your finances, and opening the door to a new world of opportunities.

We’ve helped more than 730,000 people without a FICO score begin establishing credit history. Ready to join us? Get started today.

Voices from our community

The help that Oportun has given me will always stay in my heart. They always give me a chance. They never fail me.


Voices from our community

The loan was easy. The people were friendly. I do feel like a part of the community.


Voices from our community

I think having good credit in the U.S. is indispensable. Thanks to Oportun, they gave me the opportunity to start building my credit and reach my goals.



Applying for an auto loan with Oportun is simple to do from your phone or computer

You don’t need a credit score and there’s no fee to apply—and you’ll receive a decision within minutes. All you need is a valid driver’s license, proof of residence, proof of insurance, income documentation, trade-in information (if you’re trading in a car), and any details about the vehicle you’d like to buy (if you’ve already picked one).

If your application is approved, you can use our loan configurator to design the payment terms to fit your budget. Then upload your documentation securely and sign your loan documents electronically. When you’re ready to close, an agent will assist you and the seller with signing the DMV paperwork. We’ll process your registration and title paperwork later, so you and the seller can skip the trip to the DMV.



What documentation do I need to apply for an auto loan?

Be prepared to share the following documents:

  • A valid driver’s license issued by a state government agency
  • Proof of income, such as current pay stubs or current bank statements
  • Verification of address, such as a piece of mail with your name and address (cannot be a PO box)
  • Up to four personal references, which can include friends, family, or employers
  • Proof of auto insurance
Applications, Auto 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

How do I get my auto loan funds?

Because we’ve tried to make it as simple as possible for you to buy a car, you won’t personally receive the funds for your auto loan. We will deliver the funds directly to the seller, and you (the borrower) will get to drive away in your new car.

Auto loans
All questions