Get an affordable loan, quickly—no credit score needed
Oportun offers personal loans with fixed and affordable payments so you’ll always know how much you owe—and when.
Loans from $300 to $9,000 are available. You don’t need a credit score and there’s no fee to apply. And most borrowers receive their funds within 24 hours. In other words, we make things simple whether you’re dealing with an unexpected emergency, an urgent bill, or a home repair that’s adding up.
Get your funds quickly—in as little as 2 hours
Fixed and affordable payments to meet your budget
No credit score is required to apply
On average, our customers save $1,000 on their first personal loan when they choose Oportun over other available alternatives. Our personal loans cost a fraction of payday and pawn loans. And we don’t charge prepayment penalties.
There is no fee to apply, and it won’t hurt your nationwide credit scores if we can’t prequalify you. We make it easy to apply online, by phone, or in person if you live near one of our stores. To get started, you’ll need proof of income and address, official government identification from any country, and contact information for four references.
Loans are repayable in 6–46 months and you can choose a repayment plan that suits your budget. If approved, you’ll receive your funds either as a check, loaded onto a prepaid debit card, or via direct deposit.
Be prepared to share the following documents:
We know your time is valuable and we’re committed to providing you with fast service. Prequalification takes only minutes and will not impact your FICO® credit score. The full application process typically takes under 10 minutes if you supply the correct documentation. Most approved applicants receive their funds the same day they apply.
Applications, Personal loansOptions for auto loan payments are temporarily limited while we roll out this new product, but we’re adding new options all the time.
Payments are accepted at any Oportun store or in hundreds of convenient locations that provide CheckFree Pay, MoneyGram, or PayNearMe.
In Oportun stores, we accept cash, checks, money orders, and Oportun-issued Ventiva® debit cards. Please bring exact amounts, as we are not able to make change. However, we’ll credit any excess funds to your account.
You can also pay at Walmart, Kmart, CVS, 7-Eleven, grocery stores, corner stores, Family Dollar stores, and hundreds of other locations that accept CheckFree Pay, MoneyGram, or PayNearMe payments. Oportun does not receive any portion of the fees charged by the vendors above for making a payment. No fees for using these payment options will be charged to customers in California, New Jersey, New Mexico, or Wisconsin if the loan was disbursed in these states.
Options for auto loan payments are temporarily limited while we roll out this new product, but we’re adding new options all the time.
Auto loans, Payments, Personal loans