Partner with us right now to build a far better tomorrow

Partner with us right now to build a far better tomorrow

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


Life is not constantly effortless, however when we come together, we make life better. At Oportun, we’re creating a community of workers, clients, and lovers to get in touch you utilizing the monetary solutions and help which will help you today and start brand new possibilities tomorrow. From unsecured loans to savings, we are able to assist. So let’s get started.


We’re devoted to assisting you to build an improved future—and we’ve the items, solutions, and programs to give you there.

Signature loans

Obtain an affordable loan, quickly—no credit score required.

Automotive loans

We help to make vehicle buying simple—so you will find the automobile that’s right for you.

Bank 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 monetary mentoring.

Regional partners

Our partner, SpringFour, can help you find out nonprofit and federal government solutions towards you.

Sounds from our community

Each time you get into Oportun, you are made by them feel just like household. They shall also assist you to together with your credit rating.

Sounds from our community

I became exhausted of the many nos. When i then 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 will constantly stay static in my heart. They always give me personally an opportunity. They never fail me personally.

Voices from our community

The mortgage ended up being simple. The folks had been friendly. I do feel just like a right component associated with community.

Voices from our community

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

Brand Brand New from Oportun: Automobile Financing

Now you will get an automobile loan with Oportun

Whether you intend to buy a car from the dealership or a personal vendor, we’ll be here for your needs each step associated with the means.

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

Get the full story


You want to see you succeed—and we’ve the products and resources to guide you along the way

An affordable way of borrowing

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

Developing a credit score helps place you in charge

Unlike other alternative lenders, we report consumer records to credit that is nationwide, to help you start to establish credit score and open the entranceway to a new realm of possibilities. We’ve helped significantly more than 830,000 people with no FICO rating begin credit history that is establishing.

Fast, budget-friendly assistance as it’s needed

It is made by us simple for one to be successful. Our procedures are fast and convenient, so we don’t also require a credit history to use.


Our company is committed to assisting you take close control of the funds, and now we have actually the equipment and resources to enable you to get there.


May I 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 ultimate decision is made on your own application, we run a tough credit pull, which could affect your credit rating. Find out more about hard and credit that is soft.

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

Unlike other alternate lenders, we report your account behavior to nationwide credit reporting agencies. Each thirty days, we tell them whether you’ve made your account repayments on some time in complete. It is possible to establish credit that is positive you make your requested payments on or before your due date, pay a lot more than what is requested, or spend your account in complete. It generally speaking takes at the very least 6 months to ascertain a credit score that is initial.

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

The lending company when it comes to Oportun Visa bank card is WebBank, Member FDIC, that will be whom reports your bank account behavior to credit bureaus that is nationwide.

What’s the way that is easiest to produce my own loan re payments?

When you have a checking or checking account, the way that is easiest to create payments on the unsecured loan is by car pay. Sign in, go to a place, or give us a call at 866-488-6090 to sign up in car pay. Get bank routing and account numbers handy.

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

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

Oportun’s terms that are website privacy, and security policies don’t apply to outside sites we guide. Please review those websites due to their terms, privacy, and safety policies to observe how they connect with 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® bank card is given by WebBank, Member FDIC. Real account terms depend on application creditworthiness and information, and can even differ.

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

Loans at the mercy of credit approval. Terms can vary by applicant and state and therefore are subject to alter.

Unsecured loans: The maximum loan quantity differs by state, and loans above $6,000 are available to qualified returning clients just.

Auto loans: To be eligible for an automobile purchase loan or even refinance your auto that is current loan you should be 18 yrs old 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 needs, including an assessment of the credit rating (when you have one) and power to repay the mortgage, and, for the refinance, recognition of the auto tradeline that is qualifying. We are going to additionally think about your performance on any existing or previous Oportun loans. Extra conditions may use, such as for example automobile make, mileage and age. Prequalification will perhaps not impact your FICO rating with all the nationwide credit rating agencies, unless you distribute for last approval. While a prior credit score is not necessary to qualify, Oportun will request and consider credit rating reports for several applicants. Prequalified clients can choose from available loan terms predicated on application information. Auto cost must certanly be between $5,000-$30,000. Refinance loans permitted from $5,000 to $35,000.

You can lower your monthly payment, but you will pay interest over a longer period of time and the overall cost of your loan may be higher if you refinance for a longer term than your existing auto loan.