Join the 1.8 million people who trust Oportun

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Checking whether you’re prequalified won’t impact your FICO® credit score

Oportun customer applying for a personal loan.


Get an affordable loan, quickly

  • Loans available up to $6,000
  • Fixed and affordable payments
  • No credit score required
  • Funds delivered fast—often within 24 hours
  • Friendly, bilingual service at convenient hours

1.8 million

We’ve given more than 1.8 million people access to affordable credit

$1.8 billion

We’ve saved our personal loan customers $1.8 billion compared to alternative lenders

870,000 people

We’ve helped 870,000 people without a FICO® score begin establishing credit history




Loan amount



Payment amount

$73 every two weeks

$50 every two weeks

Number of payments



Loan length

12 months

18 months





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

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 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
All questions

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Oportun customers are comfortable with their finances after getting a personal loan.

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Call us at 888-806-9170 with questions.