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We’re Bankrate’s #1 app for saving money in 2023 ✨
We’re Bankrate’s #1 app for saving money in 2023 ✨

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What do you need to apply for a loan?

What is an installment loan?





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invests for you.

We doubled our referral bonus!
For a limited time, personal loan members can get $50 instead of $25 for
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4 Reasons it’s hard to save money and how we can help

How to save money on a tight budget with Set & Save





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We doubled our referral bonus!
For a limited time, personal loan members can get $50 instead of $25 for
referring a friend.

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Credit card security: Keeping your information safe

Don’t be fooled by these six credit myths





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We doubled our referral bonus!
For a limited time, personal loan members can get $50 instead of $25 for
referring a friend.

Get the all-in-one app that intelligently invests, saves, and budgets for you.
Or manage your loan like never before.





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Get the all-in-one app that intelligently invests, saves, and budgets for you.
Or manage your loan like never before.



We doubled our referral bonus!

For a limited time, personal loan members can get $50 instead of $25 for
referring a friend




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Apply now Apply now for a personal loan
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(866) 488-6090
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AFFORDABLE PERSONAL LOANS

Apply for a personal loan from $300 to $6,000 with fixed, affordable payments
and no pre-payment penalties
 
Apply now
 
888-907-7061
 
Get prequalified in minutes without affecting your credit score. See terms


A+ rating by the Better Business Bureau (BBB)

#1 savings app of 2023 by Bankrate

CDFI: Certified by U.S. Department of the Treasury


WHY OPORTUN

Affordable
Pay less and get more compared to non-bank lenders. See more

Fast funding
With direct deposit

Trusted
9 of 10 members would refer their friends and family to Oportun. See more

 

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CURIOUS WHAT OTHERS THINK?

75,000 5-star reviews on Google and Trustpilot

Read more

Great staff! Easy & quick process. Thanks Oportun!
Leticia Yniguez
from Google
Very nice employees and very helpful!!
Sabrina Campos
from Google
Quick to help, curious and caring.
mobilewarner351
from Google


STILL HAVE QUESTIONS?


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THAT SUMS IT UP

Still have questions? Here are a few we’ve answered before.

What is a personal loan?

A personal loan provides you with a lump sum of money that is paid back over a
set period of time. The money can be used for a number of personal expenses.

What factors does Oportun consider when granting a loan?

We know that you are more than just a set of numbers or a credit score. If you
have a credit history, we will look at it, but we also consider other
information. We may even approve you if you’ve faced bankruptcy.


OUR MEMBERS
HAVE SAVED
$2.3 BILLION
IN INTEREST AND FEES

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Oportun
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View state licenses and notices.

California loans made pursuant to a California Financing Law license.

New Jersey residents: This is an advertisement for a consumer loan.

New Mexico residents: TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER, YOU MAY
WRITE OR CALL: Customer Experience – Contact Manager, Oportun, PO Box 4085,
Menlo Park, CA 94026; 888-408-3020; Complaints@oportun.com. This lender is
licensed and regulated by the New Mexico Regulation and Licensing Department,
Financial Institutions Division, PO Box 25101, 2550 Cerrillos Road, Santa Fe,
New Mexico 87504. To report any unresolved problems or complaints, contact the
division by telephone at 505-476-4885 or visit the website

NMLS #1671904. Click  for the NMLS Consumer Access Database.

Oportun’s website terms, privacy, and security policies don’t apply to outside
sites we reference. Please review those websites for their terms, privacy, and
security policies to see how they apply to you. Oportun isn’t responsible for
(and doesn’t provide) any products, services or content at this third-party site
or app, except for products and services that explicitly carry our name.


Personal loans information

Lender information: Personal loans in CA, NM, and WI are originated by Oportun
Inc. NV loans originated by Oportun, LLC. Personal loans in AL, AK, AR, AZ, DE,
FL, GA, HI, ID, IL, IN, KS, KY, LA, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, OH,
OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, and WY are originated by
Pathward®, N.A. THIS IS A LOAN SOLICITATION ONLY. OPORTUN MAY NOT BE THE LENDER.
INFORMATION RECEIVED WILL BE SHARED WITH PATHWARD IN CONNECTION WITH YOUR LOAN
INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT OR OTHER STATE LENDING
LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.

Product Terms: Lending products are subject to credit approval. Terms may vary
by applicant and state and are subject to change. While a prior credit history
is not required to qualify, credit reports will be requested and considered for
all applicants. Account payment history is reported to select nationwide credit
bureaus. Prequalification will not impact your credit score with the nationwide
credit reporting agencies until you submit for final approval. Typical personal
loan amounts are $500 to $5,500 for new customers, $2,000 to $10,000 for
returning customers, and secured personal loan amounts are $4,500 to $16,000,
based on information from previously approved loans which may not represent
current terms. Click the products below for specific details.

Pricing information: Amounts financed for unsecured personal loans vary by
state: amounts above $6,000 are not available for first-time borrowers; amounts
below $3,100 are not available in GA; and amounts below $1,600 are not available
in HI. A secured personal loan with an amount financed from $2,525 to $18,500 is
only offered by Oportun through the personal loan application to qualifying
customers in CA subject to certain terms and conditions. For example, for an
unsecured personal loan with a principal amount of $3,261, a term of 30 months,
an 8% administrative fee of $261, an APR of 35.95%, the borrower will receive
$3,000 and make 66 payments of $70, due every 2 weeks. For example, for a
secured personal loan in California with a principal amount of $7,609 for a term
of 42 months, an 8% administrative fee of $609, and an APR of 34.95%, the
borrower will receive $7,000 and make 91 payments of $134, due every 2 weeks.

* True Cost of a Loan: Based on research commissioned by Oportun and conducted
by the Financial Health Network (FHN), the True Cost of a Loan analysis
calculates the expected cost over the life of the loan for nonprime customers
and those with little to no credit history, coupling typical borrower behavior
and cash flow constraints with loan terms. For the national True Cost of a Loan
estimates, FHN analyzed the rates, fees, and terms for payday, installment,
credit card, and rent-to-own products for customers fitting the two different
credit profiles and calculated the total cost of those products for common loan
amounts compared to the cost for those same loan amount from Oportun. FHN
considered the loan repayment structure and time frame for each product,
borrower income, the potential for rollovers and refinancings, and legal
parameters that prevent or constrain borrowing. On a quarterly basis, Oportun
calculates the total amount saved by consumers getting unsecured personal loans
through Oportun, since 2006, in interest and fees compared to the alternative
products. This amount is calculated based on the total figure from the prior
study, with information on first-time personal loan borrowers through Q3 2021,
added to the results using the new nationwide study with new and returning
personal loan borrowers starting Q4 2021. The actual savings for each customer
will vary based on specific loan terms and alternative products available in
your area.

Customer satisfaction based on quarterly survey results from Q3 2023. 9 out of
10 is based on loan members and 4 out of 5 is based on credit card members.

Google and Trustpilot reviews are solicited from credit customers only. Google
rating is currently based on all Oportun store locations.

Members include customers with personal loans and credit cards, owned or
serviced by Oportun, and subscribers of our Digit Savings, Digit Direct, Digit
Investing and/or Digit Retirement products, as of December 31, 2021, who have
access to valuable services through Oportun.

© 2024 Oportun, Inc. All rights reserved.

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