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Credit cards Tools & learning Log in Apply now Español (866) 488-6090 Locations Personal loans & credit cards Affordable credit for people like you Personal loans $300 to $10,000 Apply now 35.99% APR cap 12-48 months to repay See terms Get prequalified in minutes without affecting your credit score Everyone deserves access to affordable credit Personal loans for people like you From $300 to $10,000 For bills, repairs, deposits, and more Fast funding With direct deposit Affordable payments That fit your budget Learn more A card without the stress Credit lines from $300 to $1,000 For shopping online or anywhere No security deposit required Even if you don't have credit history Zero fraud liability Safeguard your wallet Learn more 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 Join the 1.9 million people Financial education Where is the best place to get a personal loan? What is credit history? View financial education Join our community for access to free benefits Get financial advice From trained financial coaches Discover services That could save you money Find jobs And increase your income Learn more Causes we care about Self-eSTEM United Way Worldwide Questions Categories What documentation do I need to apply for a personal loan? Can more than one person sign for a personal loan? Can I be prequalified without impacting my credit score? More questions Ready to make it happen? 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. Personal loans Credit card Google rating is currently based on all Oportun store locations. Community partners like SpringFour, UnidosUS, and Steady, are not affiliates or agents of Oportun, Inc. or its affiliates. Community partners are optional services and are not partner bank services through MetaBank®, N.A. or WebBank N.A. Oportun is not responsible for any third-party content and opinions provided by community partners. 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.