Personal loans with affordable, fixed payments
Affordable and Fixed Payments
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 even if you have 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 could 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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Get Started in 3 steps
Start your application today
Call, visit a location or apply online (where available). Get pre-approved in minutes!
Get approved for a loan
Put your loan to work where you need it —car repairs, bills or unexpected expenses.