COVID-19: From payments to resources—we want to help. Affordable personal loans Get prequalified in minutes without affecting your credit score Apply now See terms 9 of 10 customers would refer friends to Oportun 50,000 5-star Google reviews 1.9+ million customers served Personal loans for people like you From $300 to $10,000 For bills, repairs, deposits, and more Affordable APRs No higher than 35.99% Secure application Protected by 128-bit SSL encryption Use your loan for the things you need Home improvements Car repairs Rental deposits Medical bills Vacations Explore example payments and rates Loan terms change by state Where do you live? Alabama Alaska Arkansas Arizona California Delaware Florida Idaho Illinois Indiana Kansas Kentucky Louisiana Michigan Missouri Mississippi Montana North Carolina North Dakota New Hampshire New Jersey New Mexico Nevada Oklahoma Oregon Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin $5,000 $500 Here’s what you might expect Payment, every two weeks 23 APR 35.95% Months to repay 12 Number of payments 27 These are examples of available pricing for standard personal loans only and does not apply to secured personal loans. Actual terms will vary, subject to credit approval, by applicant and state law, and may include an origination or administrative fee. Loan amount and terms may change without prior notice. Apply now One application, two loan options If you live in California, Florida, or Texas you may be able to choose a bigger loan with a lower APR by using your car as collateral. 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 Still have questions? Chat Ask your questions online Launch Call Speak with a team member (866) 488-6090 Visit Find your closest store Enter Zip Tools & learning Questions What is a personal loan? How fast is the application process for a personal loan? How can I make a personal loan payment in person? More questions Financial education How to get a personal loan with no credit history How to apply for a personal loan More financial education Apply for a personal loan 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 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. 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