Partner with us to build a better tomorrow today

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


Life is not always effortless, nevertheless when we come together, we make life better. At Oportun, we’re building a community of workers, clients, and lovers to get in touch you aided by the services that are financial help which will help you today and open up brand brand new possibilities tomorrow. From unsecured loans to resources that are financial we are able to assist. So let’s get going.


We’re focused on assisting you build a significantly better future—and we possess the services and products, solutions, and programs to truly get you there.

Unsecured loans

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

Automobile financing

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

Bank 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 coaching that is financial.

Regional lovers

Our partner, SpringFour, will allow you to learn nonprofit and federal government services in your area.

Voices from our community

Each time you get into Oportun, you are made by them feel just like family. They will additionally assist you to together with your credit history.

Sounds from our community

I became tired 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 offered me personally shall constantly remain in my heart. They always give me personally a possibility. They never fail me personally.

Sounds from our community

The mortgage had been easy. The folks were friendly. I actually 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 chance to start building my credit and achieve my objectives.

Brand New from Oportun: Automotive Loans

Now you may get a car loan with Oportun

Whether you wish to purchase a car from a dealership or an exclusive seller, we’ll be here for you personally every action associated with the way.

  • Financing from $5,000 to $30,000
  • Buy from a dealership or personal vendor
  • 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 affordable method of borrowing

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

Developing a credit rating helps place you in control

Unlike other alternate lenders, we report client records to nationwide credit agencies, in order to commence to establish credit rating and start the entranceway to a different realm of possibilities. We’ve helped a lot more than 830,000 individuals with no FICO rating begin establishing credit score.

Fast, budget-friendly assistance when it’s needed

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


Our company is focused on assisting you take close control of one’s funds, and then we have actually the equipment and resources to there get you.


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

Yes. When we prequalify you, we run a soft credit pull, which will not impact your FICO В® credit score.

Whenever a decision that is final made in your application, we run a tough credit pull, which could impact your credit rating. Find out more about hard and soft credit pulls.

How can Oportun help me to build a credit rating?

Unlike other alternate lenders, we report your bank account behavior to nationwide credit 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, spend a lot more than what exactly is required, or spend your bank account in complete. It generally speaking takes at the least 6 months to determine a credit score that is initial.

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

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

What’s the easiest method to create my personal loan payments?

When you yourself have a checking or family savings, the way that is easiest in order to make payments in your personal bank loan is through automobile pay. Join, see a spot, or give us a call at 866-488-6090 to enroll in car pay. Have your bank routing and account figures handy.

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

  • California loans made pursuant up to a California Financing Law license.
  • Nj-new jersey residents: it is an ad for the customer loan.
  • New Mexico residents: TO REPORT A CHALLENGE OR COMPLAINT WITH THIS PARTICULAR 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 managed by the brand New Mexico Regulation and Licensing Department, banking institutions Division, PO Box 25101, 2550 Cerrillos path, Santa Fe, 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 when it comes to NMLS customer Access Database

Oportun’s website terms, privacy, and security policies don’t apply to outside sites we guide. Please review those web sites for his or her terms, privacy, and protection policies to observe how they connect with you.

The Ventiva В® prepaid Visa card is given 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 derive from application creditworthiness and information, and may even vary.

While a previous credit rating is not essential to qualify, Oportun will request and consider credit rating reports for several candidates. Oportun reports account re payment history to nationwide credit agencies.

Loans at the mercy of credit approval. Terms can vary greatly by applicant and state and generally are susceptible to alter.

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

Automotive loans: To be eligible for an automobile purchase loan or even to refinance your present car loan, you should be 18 yrs . old and have a home in California. Loans are at the mercy of credit approval and terms can vary greatly by applicant and state. You need to fulfill our credit needs, including an assessment of one’s credit rating (for those who have one) and capability to repay the mortgage, and, for a refinance, identification of the auto tradeline that is qualifying. We’ll additionally think about your performance on any existing or oportun that is prior. Additional conditions may use, such as for instance automobile make, mileage and age. Prequalification will perhaps not influence the nationwide credit reporting agencies to your FICO score, before you submit for final approval. While a previous credit rating is not necessary to qualify, Oportun will request and consider credit rating reports for several applicants. Prequalified customers can pick from available loan terms according to application information. Car price needs to be between $5,000-$30,000. Refinance loans permitted from $5,000 to $35,000.

If you refinance for a payday loans in Cornwall lengthier term than your current car loan, you are able to decrease your payment per month, but you’ll pay interest over a longer period of the time in addition to general price of your loan might be greater.

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