Need a loan?

We’re here for you today to build a better tomorrow

We offer personal loans up to $6,000 for whatever you need, such as an unexpected emergency, an urgent bill, or a home repair.
You don’t need a credit score to apply, and a loan with us can help establish your credit score and create new opportunities.

888-907-7061 Apply by phone Apply in person Apply online

Get an affordable loan, quickly

Oportun customer applying for a personal loan.

  • Get prequalified in minutes—this won’t impact your FICO® credit score
  • Funds delivered fast—often the same day
  • No credit score required to apply

Here’s what you need to get started:

  • Valid ID
  • Proof of income
  • Proof of address
  • Up to four references

Learn more

Cheaper on average than payday loans or pawnbrokers

So your wallet will be happy

Fixed and affordable payments 

So you’ll always know how much you owe and when

Help establish credit history

So you’ll come out financially stronger


What documentation do I need to apply for a personal loan?

Be prepared to share the following documents:

  • A valid photo ID, such as a driver’s license, passport, consular ID card, or a non-U.S. ID card (we accept from most countries)
  • Proof of income, such as current paystubs or current bank statements
  • Verification of address, such as a piece of mail with your name and address (cannot be a PO box)
  • Up to four personal references, which can include friends, family, or employers
Applications, 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

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
All questions


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Call us at 888-806-9170 with questions.