Partner with us to build a better tomorrow today

Partner with us to build a better tomorrow today

Affordable loans, solutions, and help built to assist you to through life’s ups that are financial downs


Life is not constantly easy, nevertheless when we come together, we make life better. At Oportun, we’re building a community of workers, clients, and partners for connecting you aided by the services that are financial help which will help you today and start brand brand new possibilities tomorrow. From signature loans to savings, we are able to assist. So let’s get started.


We’re devoted to assisting you build a significantly better future—and we possess the services and products, services, and programs to help you get there.

Signature loans

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

Automobile financing

We help to make car buying simple—so there is the vehicle that’s right for you personally.

Bank cards

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


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

Neighborhood lovers

Our partner, SpringFour, makes it possible to learn nonprofit and federal government solutions towards you.

Sounds from our community

Each time you get into Oportun, they make you feel just like family members. They shall also assist you to together with your credit rating.

Voices from our community

I became exhausted of all nos. Once i then found out about Oportun, all 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 always remain in my heart. They constantly give me personally the possibility. They never fail me personally.

Sounds from our community

The mortgage had been easy. The individuals were friendly. I really do feel just like component of this community.

Sounds from our community

I do believe having good credit in the U.S. is indispensable. Compliment of Oportun, I was given by them the possibility to begin to build my credit and achieve my objectives.

Brand New from Oportun: Automotive Loans

Now you could get a car 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
  • Invest in a dealership or seller that is private
  • Design your loan terms
  • Apply from your computer or phone

Discover more


We should see you succeed—and we’ve the services and products and resources to aid you on the way

An affordable method of borrowing

Our payments that are affordable organized to fit completely within your financial allowance. An average of, our clients save your self $993 on the very first unsecured loan whenever they choose Oportun over other available alternatives.

Developing a credit score helps place you in control

Unlike other alternate lenders, we report client accounts to credit that is nationwide, in order to commence to establish credit score and start the entranceway up to a brand new realm of possibilities. We’ve helped significantly more than 830,000 individuals with no FICO rating start credit history that is establishing.

Fast, budget-friendly assistance as it’s needed

It is made by us possible for you to definitely be successful. Our procedures are fast and convenient, and then we don’t even require a credit score to utilize.


We have been dedicated to assisting you to take solid control of one’s funds, and then we have actually the equipment and resources to enable you to get here.


May I be prequalified without impacting my credit history?

Yes. As soon as we prequalify you, we operate a soft credit pull, which doesn’t influence your FICO В® credit score.

Whenever a decision that is final made on your own application, we operate a tough credit pull, that could affect your credit rating. Find out about hard and credit that is soft.

How can Oportun assist me build a credit score?

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 good credit whenever you create your requested payments on or before your due date, spend a lot more than what exactly is required, or spend your account in complete. It generally takes at the very least half a year to determine a preliminary credit rating.

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

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

What is the way that is easiest in order to make my own loan re re payments?

When you yourself have a checking or checking account, the easiest method to create re payments on your own personal bank loan is through auto pay. Join, see a spot, or give us a call at 866-488-6090 to sign up in automobile pay. Get bank account and routing numbers 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.
  • Brand brand New Mexico residents: TO REPORT A CHALLENGE OR COMPLAINT USING THIS 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 certified and regulated by the New Mexico Regulation and Licensing Department, banking institutions Division, PO Box 25101, 2550 Cerrillos path, Santa Fe, 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 Follow this link for the NMLS Consumer Access Database

Oportun’s terms that are website privacy, and security policies don’t apply to outside sites we guide. Please review those sites with regards to their terms, privacy, and protection policies to observe how they affect you.

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

Oportun В® Visa В® charge card is issued 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 many applicants. Oportun reports account re payment history to credit bureaus that is nationwide.

Loans susceptible to credit approval. Terms can vary by applicant and state and tend to be susceptible to alter.

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

Automotive loans: To be eligible for a an automobile purchase loan or even refinance your auto that is current 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 by applicant and state. You have to fulfill our credit needs, including an assessment of the credit score (when you yourself have one) and capacity to repay the mortgage, and, for a refinance, recognition of a auto tradeline that is qualifying. We shall also consider carefully your performance on any existing or oportun that is prior. Extra conditions may use, such as for instance vehicle make, mileage and age. Prequalification will perhaps not influence your FICO rating utilizing the nationwide credit rating agencies, until such time you distribute for last approval. While a previous credit rating is not necessary to qualify, Oportun will request and consider credit rating 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 allowed from $5,000 to $35,000.

If you refinance for a lengthier term than your current car loan, you are able to reduce your payment per month, however you will pay interest over a longer period of the time in addition to general price of your loan might be greater.