Partner with us to build a better tomorrow today

Partner with us to build a better tomorrow today

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


Life is not constantly effortless, nevertheless when we come together, we make life better. At Oportun, we’re developing a community of workers, clients, and lovers to get in touch you with all the economic solutions and support that will help you today and open up new possibilities the next day. From signature loans to resources that are financial we could assist. So let’s get going.


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

Signature loans

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

Automobile financing

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

Charge cards

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


We’ll put you in contact with UnidosUS 100% free coaching that is financial.

Neighborhood lovers

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

Voices from our community

Each time you get into Oportun, you are made by them feel family members. They shall additionally allow you to along with your credit rating.

Sounds from our community

I became tired of all of the nos. Once 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 offered me shall constantly stay static in my heart. They constantly give me personally the possibility. They never fail me.

Voices from our community

The mortgage ended up being effortless. The folks were friendly. I really do feel just like a right component of this community.

Sounds from our community

I believe having good credit in the U.S. is indispensable. Because of Oportun, I was given by them the possibility to start building my credit and achieve my objectives.

Brand New from Oportun: Automobile Financing

Now an auto can be got by you loan with Oportun

For you every step of the way whether you want to purchase a vehicle from a dealership or a private seller, we’ll be there.

  • 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

Discover more


You want to see you succeed—and the products are had by us and resources to aid you on the way

An approach that is affordable borrowing

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

Developing a credit score helps place you in charge

Unlike other alternate lenders, we report client accounts to credit that is nationwide, to help you start to establish credit score and start the entranceway to a different realm of possibilities. We’ve helped a lot more than 830,000 individuals with out a FICO rating start credit history that is establishing.

Fast, budget-friendly assistance when it’s needed

We allow it to be possible for you to definitely be successful. Our procedures are convenient and quick, so we don’t also require a credit history to put on.


We have been dedicated to assisting you take over of one’s funds, so we have actually the equipment and resources to allow 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 decision that is final made on your own application, we operate a tough credit pull, which could affect your credit rating. Find out more about hard and soft credit pulls.

How exactly does Oportun assist me build a credit score?

Unlike other alternative lenders, we report your account behavior to credit bureaus that is nationwide. Each we let them know whether you’ve made your account payments on time and in full month. You are able to establish credit that is positive you create your requested payments on or before your due date, spend a lot more than what’s required, 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 repayments, we additionally report that into the credit reporting agencies. Such behavior can impact your credit negatively rating.

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

What’s the way that is easiest which will make my own loan re re payments?

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

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Oportun unsecured loans are 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 is certainly an advertisement for the customer loan.
  • New Mexico residents: TO REPORT A PROBLEM OR COMPLAINT WITH THIS SPECIFIC LENDER, YOU MAY POSSIBLY WRITE CALL that is OR Willard, Sr. Manager, Customer Enjoy, Oportun, PO Box 4085, Menlo Park, CA 94026. This lender is licensed and managed by the brand New Mexico Regulation and Licensing Department, finance institutions Division, PO Box 25101, 2550 Cerrillos Road, Santa Fe, brand New Mexico 87504. To report any unresolved problems or complaints, contact the Division by telephone at 505-476-4885 or look at the site.
  • NMLS #1671904 view 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 internet sites with regards to their terms, privacy, and protection policies to observe how they connect with you.

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

Oportun В® Visa В® bank card is granted by WebBank, Member FDIC. Actual account terms depend on application information and creditworthiness, and may also differ.

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

Loans susceptible to credit approval. Terms may vary by applicant and state and tend to be susceptible to change.

Unsecured loans: the utmost loan quantity differs by state, and loans above $6,000 are available to returning that is qualified only.

Automobile financing: To be eligible for an automobile purchase loan or even to 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 greatly by applicant and state. You have to fulfill our credit needs, including an assessment of one’s credit score (when you have one) and capacity to repay the mortgage, and, for the refinance, identification of the auto tradeline that is qualifying. We’re going to also consider your performance on any existing or oportun that is prior. Extra conditions may use, such as for example automobile make, mileage and age. Prequalification will not influence the nationwide credit reporting agencies to your FICO score, and soon you distribute for last approval. While a prior credit score is not essential to qualify, Oportun will request and consider consumer credit reports for several applicants. Prequalified clients can select from available loan terms considering application information. Car cost needs to 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, however you will spend interest over a longer period of the time additionally the overall price of your loan might be higher.

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