Oportun provides affordable, credit-building loans that help you build a better future
Oportun has changed the life of my two children, my wife and myself, a humble servant.
First loan - $500: I bought a set of 4 chairs
Second loan - $500: I bought a cot for my kids
Third loan - $500: I bought a bed; after four years, my wife and i were able to sleep in a bed.
- J. J.B., Santa Ana, CA 
- Designed with our customers in mind. Our very supportive and welcoming customer experience is designed with you in mind. We offer bilingual (English/Spanish) servicing via phone, online, or in-person through our growing network of 185+ retail locations in neighborhoods where you live and work.
- Affordable and fixed loans. We offer loan amounts and payment terms that fit your individual budget. Our loans feature fixed, affordable payments over 7 to 35 months. There are no “surprise” balloon payments. There is no penalty for pre-payment. Payments align to customer pay periods.
- Focused on long-term customer success. We reward customers who repay their loans with the ability to borrow more at lower rates over time. Plus, we provide credit education resources to help you build a better financial future, through our community events, website content, and partnerships.
- Government-issued color picture ID: from the US or another country (driver’s license, passport, consular ID).
- Proof of address in California, Illinois, Nevada, Texas, Utah, or Arizona: We verify address automatically for most of our customers. If not verified, customers can provide mobile phone, electricity, water or cable bills, etc.
- Proof of income: pay stubs of the last 30 days or bank statements for the last 60 days.
No problem! At Oportun, we look beyond your credit history to understand your true financial potential and capacity to afford a loan. Even though we pull credit during the application, you could qualify even if you do not have a history at any of the bureaus. In fact, 48% of all our customers had no credit scores when they applied.
*** We help customers establish credit history by reporting their accounts to credit bureaus.
***As of September 30, 2015. No Credit Score Population was defined as all first-time loan applicants who received a loan from Oportun, who did not have a Vantage score at the time of their application.
We offer loan amounts between $300 and $8,000, with a minimum period of repayment of 7 months, and a maximum period of 42 months.*
Oportun loans with a maximum APR of 33.90% are available to qualified returning customers with loan terms of 30 to 42 months on loan amounts starting at $6,000. An example of the total amount paid on a personal loan in New Mexico of $6,000 repayable in 65 biweekly payments of $138 at an APR of 33.90% equals about $8,914. Actual APR depends upon the loan amount, loan term, prior Oportun loan history and the state in which the loan is originated. Not available in all states.