Partner with us to build a better tomorrow today

Partner with us to build a better tomorrow today

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


The Oportun distinction

Life is not constantly effortless, however when we come together, we make life better. At Oportun, we’re building a community of workers, clients, and lovers for connecting you using the services that are financial help which will help you today and start brand new possibilities the next day. From unsecured loans to money, we could assist. So let’s get started.


Why don’t we help

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

Signature loans

Get an inexpensive loan, quickly—no credit score required.

Automobile financing

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 100% free coaching that is financial.

Neighborhood lovers

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

Voices from our community

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

Sounds from our community

The mortgage ended up being effortless. The individuals had been friendly. I really do feel just like component of this community.

Sounds from our community

I believe having credit that is good the U.S. Is indispensable. By way of Oportun, they provided me with the chance to begin to build my credit and achieve my objectives.

Brand 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 the dealership or an exclusive vendor, we’ll be here for your needs each step of this method.

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

Get the full story


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

An affordable way of borrowing

Our affordable repayments are organized to fit completely within your budget. An average of, our clients save $1,000 on the very first loan that is personal they choose Oportun over other available alternatives.

Developing a credit score helps place you in charge

Unlike other alternate lenders, we report customer records to nationwide credit agencies, in order to commence to establish credit score and start the entranceway to a different realm of possibilities. 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

It is made by us possible for one to be successful. Our procedures are convenient and quick, so we don’t also need a credit history to utilize.

Our company is invested in assisting you to seize control of the finances, and we also have the equipment and resources to allow you to get here.

Am I able to be prequalified without impacting my credit rating?

Yes. Once we prequalify you, we operate a soft credit pull, which will not affect your FICO ® credit score.

Each time a ultimate decision is made on your own application, we operate a difficult credit pull, which could influence your credit history. Find out more about hard and soft credit pulls.

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

Unlike other alternate lenders, we report your 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 can easily establish positive credit when you make your requested payments on or before your due date, spend more than what’s required, or spend your bank account in complete. It generally speaking takes at the least 6 months to determine an initial credit history.

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 lending company when it comes to Oportun Visa bank card is WebBank, Member FDIC, that is whom reports your bank account behavior to credit bureaus that is nationwide.

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

When you yourself have a checking or checking account, the way that is easiest to help make your Oportun unsecured loan re re payments on time is by automated re payments installment loans bad credit. It is possible to create automated repayments by 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 sent applications for your own loan on line, you can easily log on to produce a one-time repayment or arranged automatic payments (rACH). This particular aspect just isn’t yet available in the event that you applied at an Oportun location or by phone.

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Oportun loans that are personal 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 can be 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 licensed and managed by the brand brand New Mexico Regulation and Licensing Department, finance institutions Division, PO Box 25101, 2550 Cerrillos Road, 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 Follow 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 guide. Please review those web sites due to their terms, privacy, and safety policies to observe how they affect you.

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

Oportun ® Visa ® charge card is released by WebBank, Member FDIC. Actual account terms depend on application creditworthiness and information, and might differ.

While a previous credit rating is not essential 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 susceptible to credit approval. Terms can vary greatly by applicant and state and so are susceptible to alter.

Unsecured loans: the utmost loan quantity differs by state, and loans above $6,000 are available to qualified returning clients just.

Automobile financing: To be eligible for a car purchase loan or even to refinance your present car finance, you truly must be 18 yrs old and live in California. Loans are at the mercy of credit approval and terms can vary by applicant and state. You have to satisfy our credit demands, including an assessment of one’s credit rating (when you have one) and power to repay the mortgage, and, for a refinance, recognition of the qualifying car tradeline. We are going to additionally think about your performance on any existing or oportun that is prior. Extra conditions may use, such as for example automobile make, age and mileage. Prequalification will perhaps perhaps perhaps not affect your FICO rating utilizing the nationwide credit scoring agencies, and soon you distribute for last approval. While a previous credit rating is not necessary to qualify, Oportun will request and consider credit rating reports for many candidates. Prequalified clients can pick from available loan terms centered on application information. Automobile price 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 finance, you are able to reduce your payment per month, but you’ll spend interest over a longer time of the time together with general price of your loan can be greater.

Oportun: the genuine price of that loan: considering research commissioned by Oportun and carried out because of the Financial wellness system (FHN), the sum total savings quantity equals the difference between the normal cost of other widely accessible alternate borrowing products that clients could have utilized therefore the typical price of an Oportun loan of the identical quantity, multiplied by Oportun first-time borrowers. FHN analyzed the prices, charges, and terms for payday, pawn, auto-title, installment, and rent-to-own items for customers in Arizona, Ca, Florida, Illinois, Nevada, brand brand brand New Mexico, Texas, and Utah and calculated the cost that is total of items for typical loan quantities. FHN considered the mortgage payment framework and period of time for every item, debtor income, the possible for rollovers and refinancings, and appropriate parameters that restrict or constrain borrowing. Oportun updates the model quarterly to determine the amount that is total Oportun first-time borrowers have actually saved since 2006 in interest and charges in comparison to the choice services and services and products. The savings that are actual each consumer will change centered on certain loan terms and alternate items for sale in your neighborhood.