Auto loans that put you in control

Buying a car in California should be affordable and hassle-free



Whether you’re buying a car or want to refinance an auto loan, we’re here to help you navigate the details so that you can focus on the things that really matter.*

  • Loans of $5,000—$35,000
  • Personalize your loan terms
  • No credit history needed to apply
  • Support throughout the process
  • Start establishing credit history

We only offer auto loans in California now, but that will change soon. See if an auto loan is available near you.

What we offer

Shop at a dealership
Buy with confidence and spend less time at the dealership

Buy from a private party
Let us take care of the paperwork so you can avoid the DMV

Refinance your auto loan
See if you can lower your monthly payment or APR


Our auto specialists want to make auto financing easy to understand and give you some of your time back. We even report your payments to national credit bureaus to help you start establishing credit history. We’re here to help you navigate the process and get the car you need to move forward in life.

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.




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 a final decision is made on your 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?

We’ve tried to make it as simple as possible for you to buy a car or refinance your current auto loan. We’ll take care of paying the seller (dealership or private seller) and the lienholder (private seller or refinance) so you don’t need to get loan funds.

Auto loans
All questions