Build a better tomorrow

Personal loans & credit cards for your financial journey



We’re making credit affordable, accessible, and good for your financial future.

Personal loans

Affordable personal and secured personal loans—no credit score needed to apply.

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Credit cards

The Oportun Card makes credit accessible and easy to manage.

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Financial resources

We’ll put you in touch with UnidosUS for free financial coaching.

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Local partners

Our partner, SpringFour, can help you discover nonprofit and government services near you.

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All products

Why Oportun

An affordable approach to borrowing

Payment sizes are small to fit your budget and payoff time is long in case you need it, plus we never charge pre-payment penalties

Building your credit history helps put you in control

We’ve helped more than 870,000 people without a FICO score begin establishing credit history for the very first time

Fast, budget-friendly help when you need it

We make it easy for you to succeed. Our processes are quick and convenient, and we don’t even require a credit score to apply.

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More than 50,000 5-star reviews on Google

André Cisneros 00
45 Mins ago
Jesús was very friendly and had a good knowledge of what he was doing. It was great service.Read more
1 Hours ago
Jose has been helping me throughout the application process with oportun for over 3 months and has provided excellent service. He’s helped me take out a loan and I will continue to have a great relationship with Oportun because of him!Read more
diana lopez
1 Hours ago
Iris was a great help today. Very resourceful!Read more

Voices from our community

The loan was easy. The people were friendly. I do feel like a part of the community.


Voices from our community

I think having good credit in the U.S. is indispensable. Thanks to Oportun, they gave me the opportunity to start building my credit and reach my goals.


Voices from our community

I was tired of all the nos. Once I found out about Oportun, all that went away. There’s not a no. There’s a yes. Approved. You’re qualified.


Voices from our community

Every time you go into Oportun, they make you feel like family. They will also help you with your credit score.



Oportun customer in park

Every day, we go to work to help people like you build better lives. That’s why we donate one percent of our time and net profits to charitable programs and organizations whose work aligns with our own mission.

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Can I be prequalified without impacting my credit score?

Yes. When we prequalify you, we run a soft credit pull, which does not impact your FICO® credit score.

When a final decision is made on your application, we run a hard credit pull, which can impact your credit score. Learn more about hard and soft credit pulls.

Applications, Credit cards, Personal loans

How fast is the application process for a personal loan?

We know your time is valuable and we’re committed to providing you with fast service. Prequalification takes only minutes and will not impact your FICO® credit score. The full application process typically takes under 10 minutes if you supply the correct documentation. Most approved applicants receive their funds the same day they apply.

Applications, Personal loans

How does Oportun help me build a credit history?

Unlike other alternative lenders, we report your account behavior to nationwide credit bureaus. Each month, we let them know whether you’ve made your account payments on time and in full. You can establish positive credit when you make your requested payments on or before your due date, pay more than what is requested, or pay your account in full.  It generally takes at least six months to establish an initial credit score.

If you miss payments or make late or incomplete payments, we also report that to the credit bureaus. Such behavior can negatively impact your credit score.

The lender for the Oportun Visa Credit Card is WebBank, Member FDIC, which is who reports your account behavior to nationwide credit bureaus.

Credit cards, Establishing credit, Payments, Personal loans
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