Affordable loans, solutions, and help made to assist you to through life’s financial ups and downs


Life is not always simple, nevertheless when we work together, we make life better. At Oportun, we’re creating a community of workers, customers, and partners for connecting you aided by the monetary services and help that can help you today and start brand new possibilities the next day. From unsecured loans to money, we can assist. So let’s get going.


We’re devoted to assisting you build a far better future—and we possess the items, solutions, and programs to help you get here.

Signature loans

Get a loan that is affordable quickly—no credit score required.

Automobile financing

We make vehicle buying simple—so there is the motor vehicle that’s right for you personally.

Charge cards

The Oportun Card is originating. have actually an offer or wish to know more?


We’ll put you in contact with UnidosUS free of charge financial mentoring.

Neighborhood lovers

Our partner, SpringFour, makes it possible to learn nonprofit and federal federal government services in your area.

Voices from our community

Each time you go into Oportun, you are made by them feel just like family members. They shall additionally assist you to along with your credit rating.

Voices from our community

I became exhausted of the many nos. When i consequently found out about Oportun, all of that went away. There’s not a no. There’s a yes. Approved. You’re qualified.

Voices from our community

The assistance that Oportun has offered me will constantly stay static in my heart. They constantly give me personally the possibility. They never fail me personally.

Sounds from our community

The mortgage was effortless. Individuals had been friendly. I actually do feel just like component regarding the community.

Sounds from our community

I do believe having good credit in the U.S. is indispensable. As a result of Oportun, they provided me with the possibility to start building my credit and achieve my objectives.

New from Oportun: Automobile Financing

Now an auto can be got by you loan with Oportun

Whether you wish to buy a car from a dealership or an exclusive seller, we’ll be here for you personally each step payday loans in Cheshire regarding the method.

  • Funding from $5,000 to $30,000
  • Invest in a dealership or personal vendor
  • Design your loan terms
  • Apply from your own phone or computer

Get the full story


We should see you succeed—and we now have the products and resources to guide you as you go along

An affordable method of borrowing

Our affordable payments are organized to fit completely within your allowance. An average of, our clients save your self $993 on the very first personal loan whenever they choose Oportun over other available options.

Developing a credit rating helps place you in charge

Unlike other alternate lenders, we report consumer records to nationwide credit agencies, in order to commence to establish credit score and start the entranceway to a different realm of possibilities. We’ve helped significantly more than 830,000 people with no FICO score start credit history that is establishing.

Fast, budget-friendly assistance as it’s needed

It is made by us possible for you to definitely succeed. Our procedures are convenient and quick, and then we don’t also demand a credit rating to utilize.


Our company is invested in assisting you to seize control of one’s funds, and now we have the equipment and resources to there get you.


Could I be prequalified without impacting my credit history?

Yes. As soon as we prequalify you, we operate a soft credit pull, which doesn’t influence your FICO В® credit score.

whenever a ultimate decision is made in your application, we operate a difficult credit pull, that may affect your credit history. Find out about hard and credit that is soft.

So how exactly does Oportun assist me build a credit score?

Unlike other alternative lenders, we report your bank account behavior to nationwide credit reporting agencies. Each we let them know whether you’ve made your account payments on time and in full month. You are able to establish good credit whenever you make your requested payments on or before your due date, pay more than what exactly is required, or spend your bank account in complete. It generally takes at the least 6 months to establish a short credit rating.

We also report that to the credit bureaus if you miss payments or make late or incomplete payments. Such behavior can impact your credit negatively score.

The lending company for the Oportun Visa charge card is WebBank, Member FDIC, that will be whom reports your account behavior to credit bureaus that is nationwide.

What is the way that is easiest to create my own loan re payments?

When you yourself have a checking or checking account, the easiest method to create payments in your personal bank loan is by automobile pay. Sign in, see a spot, or contact us at 866-488-6090 to sign up in automobile pay. Get bank routing and account numbers handy.

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Oportun signature loans are for sale in 12 states. View state licenses and disclosures.

  • California loans made pursuant up to a California Financing Law permit.
  • Nj-new jersey residents: this is certainly an ad for the customer loan.
  • brand New Mexico residents: TO REPORT A CHALLENGE OR COMPLAINT USING THIS LENDER, YOU MAY POSSIBLY WRITE OR CALL: Reese Willard, Sr. Manager, Customer Enjoy, Oportun, PO Box 4085, Menlo Park, CA 94026. This lender is certified and controlled by the New Mexico Regulation and Licensing Department, finance institutions Division, PO Box 25101, 2550 Cerrillos path, Santa Fe, brand brand New Mexico 87504. To report any unresolved dilemmas or complaints, contact the Division by phone at 505-476-4885 or look at the site.
  • NMLS #1671904 click the link for the NMLS customer Access Database

Oportun’s terms that are website privacy, and security policies don’t apply to outside sites we reference. Please review those internet sites for his or her terms, privacy, and safety policies to observe how they apply to you.

The Ventiva В® prepaid Visa card is granted by MetaBank В® , Member FDIC, pursuant up to a permit from Visa U.S.A. Inc.

Oportun В® Visa В® charge card is granted by WebBank, Member FDIC. Real account terms derive from application information and creditworthiness, and might vary.

While a previous credit score is not necessary to qualify, Oportun will request and consider credit rating reports for many candidates. Oportun reports account payment history to nationwide credit reporting agencies.

Loans susceptible to credit approval. Terms may vary by applicant and state and are also susceptible to alter.

Personal loans: the utmost loan amount varies by state, and loans above $6,000 are available to returning that is qualified just.

Automobile financing: To be eligible for an automobile purchase loan or even to refinance your auto that is current loan you need to be 18 years old and have a home in California. Loans are at the mercy of credit approval and terms can vary by applicant and state. You have to satisfy our credit needs, including an evaluation of the credit rating (when you yourself have one) and power to repay the mortgage, and, for the refinance, recognition of a qualifying automobile tradeline. We are going to additionally consider carefully your performance on any existing or oportun that is prior. Additional conditions may use, such as car make, age and mileage. Prequalification will perhaps perhaps not influence the nationwide credit reporting agencies to your FICO score, until such time you distribute for final approval. While a previous credit rating is not necessary to qualify, Oportun will request and consider credit reports for many applicants. Prequalified clients can pick from available loan terms considering application information. Car cost must certanly be between $5,000-$30,000. Refinance loans permitted from $5,000 to $35,000.

If you refinance for an extended term than your current car loan, it is possible to reduce your payment, but you’ll spend interest over a longer time period as well as the overall price of your loan can be greater.