Partner with us right now to build a much better the next day

Partner with us right now to build a much better the next day

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


Life is not constantly simple, nevertheless when we come together, we make life better. At Oportun, we’re creating a community of workers, clients, and lovers for connecting you aided by the services that are financial help which will help you today and start new possibilities the next day. From signature loans to savings, we are able to assist. So let’s get going.


We’re dedicated to assisting you build an improved future—and we’ve the services and products, solutions, and programs to truly get you here.

Signature loans

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

Automotive loans

We help to make vehicle buying simple—so you’ll find the motor vehicle that’s right for you personally.

Charge cards

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


We’ll put you in contact with UnidosUS at no cost economic mentoring.

Neighborhood lovers

Our partner, SpringFour, will allow you to learn nonprofit and federal government solutions towards you.

Sounds from our community

Each time you enter Oportun, they generate you feel just like family members. They shall additionally allow you to along with your credit rating.

Voices from our community

I happened to be exhausted of all nos. As soon as i consequently found out about Oportun, all of that went away. There’s not a no. There’s a yes. Approved. You’re qualified.

Sounds from our community

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

Sounds from our community

The mortgage ended up being simple. The folks had been friendly. I actually do feel just like component for the community.

Sounds from our community

I believe having good credit in the U.S. is indispensable. Compliment of Oportun, they provided me with the possibility to begin to build my credit and achieve my objectives.

Brand Brand New from Oportun: Automobile Financing

Now an auto can be got by you loan with Oportun

Whether you intend to buy an automobile from the dealership or a personal vendor, we’ll be there for you personally every action associated with the method.

  • Funding from $5,000 to $30,000
  • Invest in a dealership or seller that is private
  • Design your loan terms
  • Apply from your own phone or computer

Find out more


We should see you succeed—and the products are had by us and resources to guide you as you go along

An approach that is affordable borrowing

Our affordable repayments are structured to fit well within your allowance. An average of, our customers conserve $993 on the very very first loan that is personal they choose Oportun over other available options.

Developing a credit rating helps place you in charge

Unlike other alternate lenders, we report customer records to nationwide credit reporting agencies, in order to start to establish credit score and open the doorway to a different realm of possibilities. We’ve helped a lot more than 830,000 individuals with no FICO score start credit history that is establishing.

Fast, budget-friendly help when it’s needed

We ensure it is simple for you to definitely be successful. Our procedures are convenient and quick, and now we don’t also need a credit rating to put on.


Our company is focused on assisting you take close control of the funds, and now we have the equipment and resources to allow you to get here.


Am I able to be prequalified without impacting my credit history?

Yes. You, we run a soft credit pull, which does not impact your FICO В® credit score when we prequalify.

whenever a concluding decision is made on your own application, we run a difficult credit pull, which could affect your credit rating. Find out about hard and credit that is soft.

How exactly does Oportun help me to build a credit score?

Unlike other alternate 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 can establish good credit whenever you create your requested payments on or before your due date, pay a lot more than what’s requested, or spend your account in complete. It generally speaking takes at the least half a year to determine a short credit rating.

In the event that you skip payments or make late or incomplete repayments, we additionally report that towards the credit reporting agencies. Such behavior can impact your credit negatively score.

The financial institution when it comes to Oportun Visa bank card is WebBank, Member FDIC, which can be whom reports your bank account behavior to credit bureaus that is nationwide.

What’s the way that is easiest to produce our loan payments?

For those who have a checking or checking account, the way that is easiest to create re re payments in your personal bank loan is by car pay. Sign in, check out a place, or give us a call at 866-488-6090 to enroll in car pay. Get bank account and routing numbers handy.

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

  • California loans made pursuant to a California Financing Law permit.
  • Nj-new jersey residents: this might be an ad for the customer loan.
  • Brand New Mexico residents: TO REPORT A PROBLEM 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 loan provider is certified and regulated by the brand New Mexico Regulation and Licensing Department, finance institutions Division, PO Box 25101, 2550 Cerrillos path, Santa Fe, brand New Mexico 87504. The Division by telephone at 505-476-4885 or visit the website to report any unresolved problems or complaints, contact.
  • NMLS #1671904 view here for the NMLS Consumer Access Database

Oportun’s website terms, privacy, and security policies don’t apply to outside sites we guide. Please review those web sites with regards to their terms, privacy, and safety policies to observe how they affect you.

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

Oportun В® Visa В® charge card is granted by WebBank, Member FDIC. Real account terms depend on application creditworthiness and information, and can even vary.

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

Loans susceptible to credit approval. Terms can vary greatly by applicant and state and are usually susceptible to alter.

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

Automobile financing: To be eligible for a an automobile purchase loan or even to refinance your auto that is current loan you should be 18 years of age and live in California. Loans are at the mercy of credit approval and terms can vary by applicant and state. You need to satisfy our credit requirements, including an assessment of one’s credit score (for those who have one) and capability to repay the mortgage, and, for the refinance, recognition of a qualifying car tradeline. We are going to also consider carefully your performance on any existing or oportun that is prior. Extra conditions may use, such as for example car make, mileage and age. Prequalification will perhaps perhaps not influence your FICO rating using the nationwide credit rating agencies, until such time you distribute for last approval. While a previous credit score is not necessary to qualify, Oportun will request and consider credit reports for several applicants. Prequalified customers can choose from available loan terms centered on application information. Automobile price should be between $5,000-$30,000. Refinance loans permitted from $5,000 to $35,000.

If you refinance for a lengthier term than your current car finance, you are able to decrease your payment per month, but you’ll spend interest over a longer time period as well as the general price of your loan can be greater.