COVID-19: From payments to resources—we want to help. Easy credit with the Oportun® Visa® Credit Card Get prequalified in minutes without affecting your credit score Apply now Received your card in the mail? Activate your card See terms 9 of 10 customers would refer friends to Oportun 50,000 5-star Google reviews 1.9+ million customers served Credit when you need it Credit lines up to $1,000 Accepted worldwide No credit history needed to apply Zero fraud liability 24/7 online account management Use your credit card for the things you need Groceries New clothes Gasoline Vacations Electronics Join the 1.9 million people From our community They’ve given us 50,000 5-star reviews on Google A+ rating by the Better Business Bureau (BBB) Best consumer lending product by Fintech Breakthrough CDFI certified by the U.S. Treasury Department Tools & learning Questions How do I apply for a credit card? How do I accept a credit card offer I got in the mail? How do I make my credit card payments? More questions Financial education What is credit history? What is a credit score? More financial education Apply for a credit card Apply now Sign up for updates To stay up to date with Oportun, please sign up for updates. Email Sign up Connect (866) 488-6090 hello@Oportun.com Log in Products Help Oportun Terms of use Accessibility Privacy Privacy settings View state licenses and notices. California loans made pursuant to a California Financing Law license. New Jersey residents: This is an advertisement for a consumer loan. New Mexico residents: TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER, YOU MAY WRITE OR CALL: Customer Experience – Contact Manager, Oportun, PO Box 4085, Menlo Park, CA 94026; 888-408-3020; Complaints@oportun.com. This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, PO Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at 505-476-4885 or visit the website. NMLS #1671904. Click here for the NMLS Consumer Access Database. Lender information Personal loans in AZ, CA, FL, ID, IL, MO, NJ, NM, TX, UT, and WI are originated by Oportun Inc. NV loans originated by Oportun, LLC. Personal loans in AL, AK, AR, DE, IN, KS, KY, LA, MI, MS, MT, NC, ND, NH, OK, OR, RI, SC, SD, TN, VA, VT and WA are originated by MetaBank®, N.A., Member FDIC. Oportun® Visa® Credit Card is issued by WebBank, Member FDIC. The Oportun Credit Card is open to all consumers, except for residents in CO, DC, IA, MD, WI, and WV. See the Oportun Cardholder Agreement for details, including applicable fees. Oportun’s website terms, privacy, and security policies don’t apply to outside sites we reference. Please review those websites for their terms, privacy, and security policies to see how they apply to you. General Product Terms: Lending products are subject to credit approval. Terms may vary by applicant and state and are subject to change. While a prior credit history is not required to qualify, credit reports will be requested and considered for all applicants. Account payment history is reported to select nationwide credit bureaus. Prequalification will not impact your credit score with the nationwide credit reporting agencies until you submit for final approval. Typical loan amounts are $500 to $3,500 for personal loans for new customers, $500 to $7,500 for returning customers, and $3,200 to $10,000 for secured personal loans. Click the products below for specific details. Credit card Customer satisfaction based on Q1 2021 customer survey. Google rating is currently based on all Oportun store locations. True Cost of a Loan: Based on a study conducted by the Financial Health Network (FHN), commissioned by Oportun. Results are applicable to nonprime consumers, including those with little or no credit history, where the total savings number equals the difference between the average cost of alternative installment and payday lending products that customers may have used and the average cost of a loan of the same amount through Oportun, multiplied by the number of customers served in the period. FHN analyzed the rates, fees, and terms for payday, installment, credit card and rent-to-own products for customers and calculated the total cost of those products for common loan amounts. FHN considered the loan repayment structure and time frame for each product, borrower income, the potential for rollovers and refinancings, and legal parameters that prevent or constrain borrowing. On a quarterly basis, Oportun calculates the total amount saved by consumers getting unsecured personal loans through Oportun, since 2006, in interest and fees compared to the alternative lenders. This amount is calculated based on the total figure from the prior study, with information on first-time personal loan borrowers through Q3 2021, added to the results using the new nationwide study with new and returning personal loan borrowers starting Q4 2021. The actual savings for each customer will vary based on specific loan terms and alternative products available in your area. © 2021 Oportun, Inc. All rights reserved. We use cookies to bring you the best experience on our site. We never sell your information to third parties. When you use our site, you agree to our cookies policy. Find out more.