Partner with us to build a better tomorrow today

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Partner with us to build a better tomorrow today

Affordable loans, solutions, and support built 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 for connecting you utilizing the economic solutions and help that will help you today and start brand new possibilities the next day. From signature loans to money, we are able to help. So let’s get going.


We’re devoted to assisting you build a significantly better future—and we now have the services and products, solutions, and programs to help you get here.

Signature loans

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

Automotive loans

We help to make vehicle 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 need to know more?


We’ll put you in contact with UnidosUS at no cost coaching that is financial.

Neighborhood lovers

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

Sounds from our community

Each time you get into Oportun, you are made by them feel just like family members. They will also allow you to along with your credit history.

Sounds from our community

I became tired of all 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 personally will constantly stay static in my heart. They constantly give me personally the opportunity. They never fail me personally.

Sounds from our community

The mortgage had been effortless. The folks had been friendly. I actually do feel 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 begin to build my credit and reach my objectives.

Brand New from Oportun: Automotive Loans

Now you may get an automobile 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
  • Buy from a dealership or personal seller
  • Design your loan terms
  • Apply from your computer or phone

Discover more


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

An approach that is affordable borrowing

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

Developing a credit score helps place you in charge

Unlike other alternate lenders, we report consumer records to nationwide credit agencies, to help you commence to establish credit score and start the entranceway to a different realm of possibilities. We’ve helped significantly more than 830,000 individuals without having a FICO rating start credit history that is establishing.

Fast, budget-friendly assistance when it’s needed

We allow it to be simple for one to succeed. Our processes are convenient and quick, therefore we don’t also need a credit score to use.


Our company is focused on assisting you to take close control of your finances, and we also have actually the various tools and resources to there get you.


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.

Each time a final decision is made in your application, we run a tough credit pull, which can influence your credit rating. Find out more about hard and soft credit pulls.

So how exactly does Oportun help me to build a credit rating?

Unlike other alternative lenders, we report your account behavior to credit bureaus that is nationwide. Each month, we inform them whether you’ve made your bank account repayments on some time in complete. It is possible to establish credit that is positive you will be making your requested payments on or before your due date, spend a lot more than what’s requested, or spend your account in full. It generally speaking takes at the least half a year to determine a credit score that is initial.

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

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

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

When you yourself have a checking or family savings, the way that is easiest to create payments on your own unsecured loan is by car pay. Sign in, go to an area, or give us a call at 866-488-6090 to sign up in automobile pay. Have your bank routing and account figures 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 permit.
  • Nj-new jersey residents: this really is an ad for a consumer loan.
  • Brand New Mexico residents: TO REPORT A CHALLENGE OR COMPLAINT WITH THIS PARTICULAR LENDER, YOU’LL 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 because of the brand 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 go to the web site.
  • NMLS #1671904 Click on this 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 web sites for his or her terms, privacy, and safety policies to observe how they connect with you.

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

Oportun В® Visa В® charge card is released by WebBank, Member FDIC. Real account terms are derived from application creditworthiness and information, and may also differ.

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

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

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

Automotive loans: To qualify for a car purchase loan or even refinance your present car loan, you need to be 18 years old and reside in California. Loans are at the mercy of credit approval and terms can vary by applicant and state. You have to fulfill our credit needs, including an assessment of the credit score (for those who have one) and capacity to repay the mortgage, and, for a refinance, recognition of the auto tradeline that is qualifying. We will also think about your performance on any existing or oportun that is prior. Additional conditions may apply, such as for instance car make, mileage and age. Prequalification will perhaps not influence your FICO rating aided by the nationwide credit rating agencies, unless you distribute for last approval. While a previous credit rating is not essential to qualify, Oportun will request and consider credit reports for several applicants. Prequalified clients can pick from available loan terms centered on 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 together with general price of your loan might be greater.