Personal loans

Get an affordable loan, quickly—no credit score needed

GET PREQUALIFIED IN MINUTES

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 $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.

HOW IT WORKS

1

Get your funds quickly—in as little as 2 hours

2

Fixed and affordable payments to meet your budget

3

No credit score is required to apply

SPEND LESS

A loan with us will cost you less

Graphic showing that other alternative loans cost an average of four times more than an Oportun loan, when total cost is calculated after the life of each loan.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.

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.

Amelita

Voices from our community

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

Jerry

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.

Eduardo

HOW TO APPLY

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 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.

APPLY FOR YOUR PERSONAL LOAN

QUESTIONS

All questions