Partner with us to build a better tomorrow today

Partner with us to build a better tomorrow today

Affordable loans, services, 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 building a community of employees, customers, and lovers to get in touch you with all the economic services and help that will help you today and start new opportunities the next day. From unsecured loans to resources that are financial we could help. So let’s get going.


We’re invested in assisting you to build a significantly better future—and we now have the items, services, and programs to help you get 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 car that’s right for you personally.

Bank cards

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


We’ll put you in contact with UnidosUS free of charge coaching that is financial.

Regional partners

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

Sounds from our community

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

Sounds 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 remain in my heart. They constantly give me an opportunity. They never fail me personally.

Sounds from our community

The mortgage ended up being easy. The individuals had been friendly. I actually do feel just like a right component associated with the community.

Sounds from our community

I believe having credit that is good the U.S. is indispensable. As a result of Oportun, they provided me with the possibility to begin to build my credit and reach my goals.

Brand New from Oportun: Automobile Financing

Now an auto can be got by you loan with Oportun

Whether you wish to buy a car from a dealership or a personal vendor, we’ll be here for you personally every action of this method.

  • Funding from $5,000 to $30,000
  • Obtain a dealership or private vendor
  • Design your loan terms
  • Apply from your computer or phone

Get the full story


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

An affordable way of borrowing

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

Establishing a credit score helps place you in charge

Unlike other alternate lenders, we report customer records to credit that is nationwide, to help you commence to establish credit rating and open the doorway up to a brand new realm of opportunities. We’ve helped a lot more than 830,000 individuals with out a FICO rating begin establishing credit rating.

Fast, budget-friendly help when it’s needed

It is made by us possible for one to succeed. Our processes are convenient and quick, therefore we don’t also demand a credit history to use.


Our company is focused on assisting you assume control of the finances, so we have actually the various tools and resources to there get you.


Could I be prequalified without impacting my credit rating?

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

When a decision that is final made on your own application, we run a hard credit pull, which could influence your credit rating. Find out about hard and soft credit pulls.

How exactly does Oportun assist me personally build a credit rating?

Unlike other alternate lenders, we report your 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 can easily establish credit that is positive you create your requested payments on or before your due date, spend a lot more than what’s requested, or spend your bank account in complete. It generally speaking takes at the very least 6 months to determine a credit score that is initial.

If you miss payments or make belated or incomplete payments, we additionally report that towards the credit reporting agencies. Such behavior can adversely influence your credit rating.

The financial institution for the Oportun Visa charge card is WebBank, Member FDIC, which can be who reports your account behavior to nationwide credit reporting agencies.

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

When you yourself have a checking or savings account, the way that is easiest to produce re re payments in your personal bank loan is by car pay. Sign in, go to a place, or contact us at 866-488-6090 to sign up in car pay. Get bank account and routing figures 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 is certainly an ad for a customer loan.
  • Brand brand New Mexico residents: TO REPORT A CHALLENGE 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 regulated and licensed by the brand New Mexico Regulation and Licensing Department, finance institutions Division, PO Box 25101, 2550 Cerrillos path, Santa Fe, brand 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 click the link for the NMLS customer Access Database

Oportun’s website terms, 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 granted 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. Real account terms are derived from application information and creditworthiness, and may even differ.

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

Loans at the mercy of credit approval. Terms can 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 qualified returning clients just.

Automotive loans: To qualify for an automobile purchase loan or even refinance your auto that is current loan you need to be 18 years of age and live in California. Loans are subject to credit approval and terms can vary greatly by applicant and state. You need to fulfill our credit needs, including an assessment of the credit rating (for those who have one) and capacity to repay the mortgage, and, for a refinance, recognition of a auto tradeline that is qualifying. We’re going to additionally think about your performance on any existing or previous Oportun loans. Extra conditions may use, such as for example car make, age and mileage. Prequalification will perhaps perhaps not influence your FICO rating using the nationwide credit scoring agencies, before you distribute for last approval. While a previous credit score is not essential to qualify, Oportun will request and consider credit rating reports for several candidates. Prequalified clients can choose from available loan terms predicated 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 existing car loan, you are able to reduce your payment per month, however you will spend interest over a longer time period in addition to general price of your loan could be higher.