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Partner with us to build a better tomorrow today

Affordable loans, services, and support built to allow you to through life’s ups that are financial downs


Life is not always easy, nevertheless when we work together, we make life better. At Oportun, we’re creating a community of workers, clients, and partners to get in touch you utilizing the services that are financial support which will help you today and start brand new opportunities the next day. From signature loans to resources that are financial we can assist. So let’s get going.


We’re devoted to assisting you build a significantly better future—and we now have the items, services, and programs to truly get you here.

Signature loans

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

Automobile financing

We help to make vehicle buying simple—so you’ll find the motor car 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 free of charge economic coaching.

Neighborhood lovers

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

Voices from our community

Each time you go into Oportun, you are made by them feel just like family members. They shall additionally allow you to along with your credit rating.

Sounds from our community

I happened to be exhausted of all of the nos. As soon as i consequently found out about Oportun, all of that went away. There’s not a no. There’s a yes. Approved. You’re qualified.

Voices from our community

The assistance that Oportun has offered me personally will constantly stay in my heart. They always give me personally the possibility. They never fail me.

Sounds from our community

The mortgage ended up being simple. The folks had been friendly. I really do feel just like component regarding the community.

Sounds from our community

I do believe having good credit in the U.S. is indispensable. As a result 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 need to purchase a car from the dealership or a private vendor, we’ll be here for you personally every action of this means.

  • Funding from $5,000 to $30,000
  • Buy from a dealership or personal vendor
  • Design your loan terms
  • Apply from your own computer or phone

Find out more


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

An approach that is affordable borrowing

Our affordable repayments are organized to fit completely within your allowance. On average, our clients save your self $993 to their 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 client records to nationwide credit reporting agencies, in order to start to establish credit score and start the entranceway to a different realm of possibilities. We’ve helped significantly more than 830,000 individuals with out a FICO rating start credit history that is establishing.

Fast, budget-friendly help as it’s needed

We allow it to be simple for you to definitely succeed. Our procedures are convenient and quick, therefore we don’t also demand a credit rating to utilize.


We are committed payday loans Cheshire to assisting you take close control of one’s funds, and now we have actually the equipment and resources to enable you to get there.


May I be prequalified without impacting my credit history?

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

Whenever a decision that is final made in your application, we operate a difficult credit pull, which could influence your credit rating. Find out more about hard and credit that is soft.

How exactly does Oportun help me personally build a credit score?

Unlike other alternate lenders, we report your bank account behavior to nationwide credit agencies. Each month, we tell them whether you’ve made your account repayments on some time in complete. It is possible to establish good credit whenever you make 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 ascertain a short credit history.

In the event that you skip repayments or make belated or incomplete payments, we additionally report that into the credit reporting agencies. Such behavior can impact your credit negatively rating.

The financial institution for the Oportun Visa charge card is WebBank, Member FDIC, which will be whom reports your account behavior to credit bureaus that is nationwide.

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

When you yourself have a checking or family savings, the way that is easiest which will make payments in your personal bank loan is through car pay. Sign in, see a spot, or contact us at 866-488-6090 to sign up in car pay. Have your bank account and routing numbers handy.

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Oportun signature loans are for sale in 12 states. View state licenses and disclosures.

  • California loans made pursuant to a California Financing Law license.
  • New Jersey residents: this will be an ad for a customer loan.
  • 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 regulated and licensed because of the New Mexico Regulation and Licensing Department, banking institutions Division, PO Box 25101, 2550 Cerrillos Road, Santa Fe, 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 Click on this link 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 internet sites because of their terms, privacy, and protection policies to observe how they connect with you.

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

Oportun В® Visa В® Credit Card is released by WebBank, Member FDIC. Actual account terms derive from application information and creditworthiness, and may even differ.

While a previous credit rating is not essential to qualify, Oportun will request and consider credit rating reports for many applicants. Oportun reports account payment history to nationwide credit agencies.

Loans susceptible to credit approval. Terms can vary by applicant and state and so are susceptible to alter.

Unsecured loans: The maximum loan quantity differs by state, and loans above $6,000 are available to returning that is qualified only.

Automotive loans: To be eligible for an automobile purchase loan or even refinance your present car loan, you need to be 18 years of age and live in California. Loans are at the mercy of credit approval and terms can vary greatly by applicant and state. You have to meet our credit demands, including an assessment of one’s credit rating (when you have one) and capability to repay the mortgage, and, for the refinance, recognition of the auto tradeline that is qualifying. We’re going to additionally think about your performance on any existing or previous Oportun loans. Extra conditions may use, such as for instance vehicle make, age and mileage. Prequalification will perhaps not influence the nationwide credit reporting agencies to your FICO score, before 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 applicants. Prequalified customers can pick from available loan terms according to application information. Automobile purchase price should be between $5,000-$30,000. Refinance loans allowed from $5,000 to $35,000.

If you refinance for an extended term than your existing car finance, it is possible to reduce your payment per month, however you will spend interest over a longer time of the time together with general cost of your loan could be greater.