Fast, friendly help between paychecks

GET $100 when you’re low

You don’t have to manage your monthly budget alone—get free account updates and cash when you’re low

Text message conversation. Message 1 (Oportun): Your account balance is low and in danger of an overdraft. Reply “top up” to boost your account! Message 2 (customer):

No one wants to get hit with overdraft fees. If you’re low on funds between paychecks and eligible, we can spot you $100. And we’ll share fast, friendly account updates with you during the rest of the month, so you always know what’s going on. No credit check, no interest, no fees.



Get alerts when you’re low on funds


$100 top ups when you’re low


Auto payback when your balance is back up

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.



It only takes a few minutes to sign up for OportunPath. You don’t need to be a current or previous customer of Oportun to join. All you need to do is create a profile, connect your checking account and associated debit card, and verify your identify—no fees required. That’s it. You should receive a text message from us within 24 hours with more details on your account status and top up eligibility.

  • Create your profile via mobile
  • Connect your checking account
  • Verify your identity
  • No credit check, no interest, no fees

Sign Up For OportunPath


Do you charge any fees for OportunPath alerts or top ups?

No. There are no monthly or subscription fees, no transfer fees, and no interest charges. When we say no fees, we mean it.


When will the money reach my bank account?

Once you accept a top up, Oportun transfers the funds into your checking account through your debit card. 98 percent of top ups post in minutes, but 2 percent can take 1–3 days, depending on your bank.


What’s the best way to contact OportunPath?

You can always email us at [email protected]. But if you’re logged in to your account, you can chat with us live by opening the chat box in the lower right-hand corner. We’re available:

Mon-Fri: 8 am–8 pm PT
Sat: 9 am–7 pm PT
Sun: 9 am–6 pm PT

All questions