Affordable loans, credit, and help on your own way to a far better future

Affordable loans, credit, and help on your own way to a far better future

Partner with us right now to build a far better the next day


We’re making credit affordable, accessible, and beneficial to your economic future

Unsecured loans

Affordable individual and secured loans that are personal no credit history necessary to apply.


We’ll put you in contact with UnidosUS at no cost economic mentoring.

Neighborhood lovers

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


Don’t take it from us. Our clients have actually provided us a lot more than 50,000 reviews that are 5-star Bing.

Julio Fuentes
Karen Barron
Rafael A Orellana

Sounds from our community

I believe having good credit in the U.S. is indispensable. By way of Oportun, they provided me with the chance to start building my credit and achieve my objectives.

Sounds from our community

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

Sounds from our community

I became exhausted of the many nos. As soon as i then 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

Each time you get into Oportun, you are made by them feel household. They will also assist you to together with your credit rating.

Sounds from our community

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

You deserve better credit

An approach that is affordable borrowing

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

Developing credit score helps place you in charge

Unlike other alternate lenders, we report consumer records to nationwide credit reporting agencies, in order to start to establish credit rating and start the entranceway up to a brand new realm of possibilities. We’ve helped a lot more than 830,000 individuals without having a FICO rating begin establishing credit rating for ab muscles first-time.

Fast, budget-friendly assistance as it’s needed

We ensure it is possible for one to be successful. Our procedures are convenient and quick, therefore we don’t also need a credit rating to make use of.



May I be prequalified without impacting my credit rating?

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

Each time a decision that is final made in your application, we run a tough credit pull, that could affect your credit rating. Find out about hard and credit that is soft.

So how exactly does Oportun help me to 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 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 bank account in complete. It generally speaking takes at the very least 6 months to determine a preliminary credit history.

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

The lending company when it comes to Oportun Visa bank card is WebBank, Member FDIC, which will be whom reports your bank account behavior to nationwide credit agencies.

What’s the way that is easiest to create my car finance re re payments?

For those who have a checking or checking account, the way that is easiest which will make your Oportun automobile loan re payment on time is through automatic re re payments. You are able to put up automated repayments by calling –just get bank or credit union account and routing figures handy.

Oportun’s terms that are website privacy, and security policies don’t apply to outside sites we guide. Please review those websites for his or her terms, privacy, and safety policies to see how they connect with you.

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

Oportun В® Visa В® bank card is released by WebBank, Member FDIC. Real account terms are derived from application information and creditworthiness, and could differ.

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

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

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

Automotive loans: To be eligible for a car purchase loan or even to refinance your auto that is current loan you really must be 18 years old and have a home in California. Loans are at the mercy of credit approval and terms can vary greatly by applicant and state. You have to fulfill our credit demands, including an assessment of one’s credit score (when you have one) and power to repay the mortgage, and, for a refinance, recognition of a auto tradeline that is qualifying. We’re going to additionally consider carefully your performance on any existing or previous Oportun loans. Extra conditions may apply, such as for instance automobile make, age and mileage. Prequalification will perhaps perhaps not influence the nationwide credit reporting agencies to your FICO score, unless you distribute for final approval. While a previous credit score is not necessary to qualify, Oportun will request and consider credit rating reports for several candidates. Prequalified clients can pick from available loan terms according to 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 real price of that loan: centered on research commissioned by Oportun and carried out because of the Financial wellness system (FHN), the full total cost cost savings quantity equals the essential difference between the typical price of other accessible alternate borrowing products that clients could have utilized together with typical price of an Oportun loan of the identical 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, Ca, Florida, Illinois, Nevada, brand brand brand brand New Mexico, Texas, and Utah and calculated the cost that is total of services and products for typical loan quantities. FHN considered the mortgage payment structure and time period for every item, borrower earnings, the possibility 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 conserved since 2006 in interest and costs in comparison to the choice services and services and products. The real cost savings for each consumer will change centered on certain loan terms and alternate services and products obtainable in your neighborhood.