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 help made to assist you to through life’s financial ups and downs


The Oportun huge difference

Life is not constantly simple, 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 aided by the monetary solutions and help which will help you today and start brand brand new possibilities the next day. From signature loans to money, we are able to assist. So let’s get going.


Why don’t we lend a hand

We’re dedicated to assisting you build a much better future—and we now have the services and products, solutions, and programs to give you here.

Signature loans

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

Automobile financing

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

Charge cards

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


We’ll put you in contact with UnidosUS 100% free monetary mentoring.

Neighborhood lovers

Our partner, SpringFour, will allow you to learn nonprofit and government solutions towards you.

Voices from our community

The assistance that Oportun has offered me personally will constantly remain in my heart. They constantly give me personally an opportunity. They never fail me personally.

Sounds from our community

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

Sounds from our community

I think having credit that is good the U.S. Is indispensable. As a result 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 a car loan with Oportun

Whether you need to buy a car from the dealership or an exclusive seller, we’ll be here for you personally every action for the means.

  • Funding from $5,000 to $30,000
  • Invest in a dealership or seller that is private
  • Design your loan terms
  • Apply from your phone or computer

Find out more


We should see you succeed—and we possess the items and resources to aid you on the way

An affordable method of borrowing

Our payments that are affordable organized to fit well within your financial allowance. An average of, our clients save $1,000 on the very very first unsecured loan whenever they choose Oportun over other available options.

Developing a credit rating helps place you in charge

Unlike other alternate lenders, we report consumer accounts to credit that is nationwide, to help you commence to establish credit rating and start the doorway up to a brand new realm of opportunities. We’ve helped significantly more than 760,000 individuals with no FICO rating start credit history that is establishing.

Fast, budget-friendly assistance when it’s needed

We allow it to be simple for you to definitely be successful. Our procedures are fast and convenient, so we don’t also need a credit rating to utilize.

Our company is dedicated to assisting you assume control of the funds, therefore we have actually the various tools and resources to there get you.

Can I be prequalified without impacting my credit rating?

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

Whenever a ultimate decision is made in your application, we operate a tough credit pull, which can impact your credit history. Find out about hard and credit that is soft.

So how exactly does Oportun assist me personally build a credit score?

Unlike other alternate lenders, we report your bank 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’ll establish good credit when you create 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 takes at the 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 the credit reporting agencies. Such behavior can impact your credit negatively rating.

The financial institution when it comes to Oportun Visa charge card is WebBank, Member FDIC, that is who reports your account behavior to nationwide credit agencies.

What’s the way that is easiest to create our loan payments?

When you yourself have a checking or family savings, the simplest way to produce your Oportun unsecured loan re re re payments on time is by automated re payments. You are able to put up payments that are automatic calling 866-488-6090 or by going to an Oportun store—just get bank or credit union account and routing figures handy.

In the event that you requested a individual loan online, you are able to log on to produce a one-time repayment or put up automatic payments (rACH). This particular feature is perhaps not yet available in the event that you used at an Oportun location or by phone.

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Oportun unsecured 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 customer loan.
  • Brand brand New Mexico residents: TO REPORT A CHALLENGE 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 loan provider is regulated and licensed because of the brand brand New Mexico Regulation and Licensing Department, finance 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 look at the web site.
  • NMLS #1671904 just click 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 with regards to their terms, privacy, and protection policies to observe how they affect you.

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

Oportun ® Visa ® bank card is released 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 re payment history to credit bureaus that is nationwide.

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

Signature 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 finance, 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 satisfy our credit needs, including an assessment of one’s credit rating (for those who have one) and capacity to repay the mortgage, and, for a refinance, identification of the qualifying car tradeline. We shall additionally consider carefully 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 influence your FICO rating with all the nationwide credit rating agencies, until such time you distribute for last approval. While a previous credit score is not necessary to qualify, Oportun will request and consider credit rating reports for several applicants. Prequalified customers 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.

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.

Oportun: the genuine price of financing: According to research commissioned by Oportun and carried out by the Financial wellness system visit this site right here (FHN), the full total cost savings quantity equals the essential difference between the typical price of other acquireable alternate financial products that clients might have utilized and also the typical price of an Oportun loan of the same quantity, increased by Oportun first-time borrowers. FHN analyzed the prices, charges, and terms for payday, pawn, auto-title, installment, and rent-to-own items for clients in Arizona, California, Florida, Illinois, Nevada, New Mexico, Texas, and Utah and calculated the total price of those services and products for common loan quantities. FHN considered the mortgage payment framework and time period for every single item, debtor earnings, the possibility for rollovers and refinancings, and parameters that are legal restrict or constrain borrowing. Oportun updates the model quarterly to determine the total quantity that Oportun first-time borrowers have actually conserved since 2006 in interest and costs in comparison to the choice services and services and products. The savings that are actual each consumer will change predicated on particular loan terms and alternate items obtainable in your neighborhood.

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