We believe that all people should have opportunities for a better future

But those opportunities may be out of reach for the estimated 100 million people in the United States who have little or no credit history or whose credit scores do not properly reflect their credit worthiness. They can't access that key ingredient to moving up in life or weathering an emergency - the ability to borrow affordably - and are often left with expensive options that leave them worse off.

Our Approach

We’ve figured out how to make affordable loans to people, even those without credit history, by using technology and focusing on customer success.

  • We’re accessible

    Customers can connect with us in-person (yes, in-person) at 300 locations in 9 states, or by phone or online.

  • Our loans are affordable

    Our loans are one-seventh the cost of payday loans on average* - with regular payments that work with our customers' budgets.

  • Our loans are designed for success

    We approve customers who have an ability to pay back the loan and encourage them to pay on-time or even early.

  • Our loans help customers establish credit*

    Our loans can help you establish your credit history with Experian and TransUnion, two of the major credit reporting agencies.

Customer Success

  • We've helped over 1 million customers access affordable credit

  • Customers have saved an average of approximately $1,000 in interest and fees on their first loan compared to what they would have spent on another option*

We commissioned the Center for Financial Services Innovation (CFSI), an authority on consumer financial health, to measure how much Oportun customers have saved in interest and fees by borrowing from Oportun compared to other widely available options to people with little or no credit.

Read the Report

2 Circle Star Way

San Carlos, CA 94070

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