Personal loans

Get an affordable loan, quickly—no credit score needed


If you need a loan and have limited credit history—or even no credit at all—we’re here to help

Customer at retail location receiving their first personal loan from Oportun.

Oportun offers personal loans with fixed and affordable payments so you’ll always know how much you owe—and when.

Loans from $300 to $8,000 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


A loan with us will cost you less

On average, our customers save $936 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.

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.



We want your personal loan application to be as simple as possible

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 locations. 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.



What documentation do I need to apply for a personal loan?

Be prepared to share the following documents:

  • A valid photo ID, such as a driver’s license, passport, consular ID card, or a non-U.S. ID card (we accept from most countries)
  • Proof of income, such as current paystubs 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
Applications, Personal loans

How fast is the application process for a personal loan?

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 loans

How can I make a personal loan payment in person?

Options 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.

  • No fee: Find a CheckFreePay location—you will need your Oportun loan number (located in your loan documents), name, and phone number associated with your loan.
  • No fee: Find a MoneyGram location—you will need your Oportun loan number (located in your loan documents). If you’re making payments on a personal loan, use receive code 7991. If you’re making payments toward an auto loan, use receive code 14565.
  • A $1.99 fee may apply: Find a PayNearMe location—you will need your PayNearMe barcode, located in your loan documents.

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
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