Payments that fit your budget
Our loans feature fixed, affordable payments over 7 to 35 months. No changes to your payment amounts or hidden fees. You can make your regular payments or pay more—there is no penalty for pre-payment.
No credit history required
At Oportun, we look beyond limited credit history to understand your true financial potential. You could qualify for a loan with little or no credit history. And you don’t need to provide collateral, such as a car title or post-dated check.
Build a better financial future
We reward returning customers who repay their loans on time with the potential to borrow more over time, at a lower APR. Plus, by reporting customer accounts to the credit bureaus, our loan can help you establish your credit history.
Exclusively designed for you
Our very supportive and welcoming customer experience is designed with you in mind. We offer bilingual (English/Spanish) servicing at convenient hours where you live and work.
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Call, visit our stores or apply online (where available). Get pre-approved in minutes!
Bring required documents to your nearest Oportun store or submit online.
Put your loan to work where you need it —car repairs, bills, unexpected expenses.
Learn how our customers are building a better future with our loans.
Oportun reports account payment histories to credit bureaus. Late or missed payments may have a negative impact on credit history or credit score. If you do not have a Social Security number, the credit bureaus may not be able to report your credit history completely and accurately. Loans made to Illinois residents without an official U.S. issued identification may require a foreign issued passport or consular identification.
*All loans upon approved credit. $7,000 loans available to returning customers. Loan amounts of less than $2,500 to California borrowers are made exclusively under California Financial Code §§ 22365 – 22381 (the "Pilot Program"). The Pilot Program restricts the amount of the borrower’s monthly debt compared to monthly income and limits the number of times the loan may be refinanced, among other things. Borrowers who meet our credit requirements but who do not meet Pilot Program restrictions may be offered loan amounts of $2,500 or more only.
California loans made under a California Finance Lenders Law License. Licensed in Texas by the Office of Consumer Credit Commissioner and in Illinois by the Department of Financial & Professional Regulation. Regulated by the Utah Department of Financial Institutions. Loans made in Nevada by Oportun, LLC under an installment lender license administered by the Nevada Financial Institutions Division. Lender is licensed in Arizona as a Consumer Lender and is regulated by the Arizona Department of Financial Institutions. Licensed as a Consumer Installment Lender by the Missouri Division of Finance. Licensed by the State of New Mexico Regulation and Licensing Department, Financial Institutions Division under a Small Loan Act License.
The Ventiva Prepaid VISA Card is issued by MetaBank®, Member FDIC, pursuant to a license from Visa U.S.A. Inc.