Partner with us to build a better tomorrow today

Partner with us to build a better tomorrow today

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


Life is not constantly effortless, nevertheless when we come together, we make life better. At Oportun, we’re building a community of employees, clients, and partners to get in touch you utilizing the monetary solutions and help that will help you today and start new possibilities the next day. From unsecured loans to resources that are financial we could assist. So let’s get going.


We’re invested in assisting you to build a much better future—and we’ve the items, services, and programs to help you get here.

Unsecured loans

Get an affordable 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.

Bank cards

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


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

Regional partners

Our partner, SpringFour, makes it possible to learn nonprofit and federal government solutions in your area.

Sounds from our community

Each time you get into Oportun, you are made by them feel just like household. They will additionally allow you to together with your credit rating.

Sounds from our community

I happened to be exhausted of all of the nos. When 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

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

Sounds from our community

The mortgage had been simple. The folks had been friendly. I actually do feel component for the community.

Voices from our community

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

Brand New from Oportun: Automobile Financing

Now you could get an automobile loan with Oportun

Whether you need to buy an automobile from the dealership or a personal vendor, we’ll be here for your needs every action associated with the means.

  • Funding from $5,000 to $30,000
  • Buy from 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 we possess the items and resources to guide you on the way

An approach that is affordable borrowing

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

Developing a credit score helps put you in charge

Unlike other alternate lenders, we report client accounts to nationwide credit reporting agencies, to help you 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 people with out a FICO rating begin credit history that is establishing.

Fast, budget-friendly help when it’s needed

It is made by us possible for you to definitely be successful. Our processes are convenient and quick, and we also don’t also need a credit history to put on.


Our company is focused on assisting you to take over of the funds, and then we have actually the various tools and resources to there get you.


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 affect your FICO В® credit score.

When a final decision is made on the application, we run a tough credit pull, which could impact your credit rating. 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 are able to establish good credit whenever you will be making your requested payments on or before your due date, pay a lot more than what’s requested, or spend your bank account in complete. It generally takes at the very least six months to determine a short credit rating.

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

What is the simplest way in order to make our loan payments?

For those who have a checking or checking account, the easiest method to produce re payments on your own unsecured loan is through auto pay. Sign in, go to a place, or contact us at 866-488-6090 to sign up in automobile pay. Get bank routing and account 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 permit.
  • Nj-new jersey residents: this will 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 CALL that is OR Willard, Sr. Manager, Customer Enjoy, Oportun, PO Box 4085, Menlo Park, CA 94026. This lender is regulated and licensed by the brand New Mexico Regulation and Licensing Department, finance institutions Division, PO Box 25101, 2550 Cerrillos path, 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 the link when it comes to 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 connect with you.

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

Oportun В® Visa В® charge card is granted by WebBank, Member FDIC. Actual account terms are derived from application creditworthiness and information, and could vary.

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

Loans at the mercy of credit approval. Terms can vary by applicant and state and therefore 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 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 need to fulfill our credit demands, including an assessment of the credit score (for those who have one) and capability to repay the loan, and, for the refinance, recognition of the qualifying car tradeline. We shall additionally think about your performance on any existing or previous Oportun loans. Extra conditions may use, such as automobile make, mileage and age. Prequalification will not affect your FICO rating utilizing the nationwide credit scoring agencies, before you distribute for last approval. While a previous credit score is not essential to qualify, Oportun will request and consider credit rating reports for many candidates. Prequalified clients can select from available loan terms predicated on application information. Car purchase price needs to be between $5,000-$30,000. Refinance loans allowed 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.

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