Get ahead with a personal loan

You’re already prequalified

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Oportun offers personal loans with fixed and affordable payments, so you’ll always know how much you owe—and when

Loans from $300 to $10,000 are available. You don’t need a credit score and there’s no fee to apply. And most borrowers receive their funds within 24 hours. Unlike other alternative lenders, we report customer accounts to nationwide credit bureaus, so you can begin to establish credit history and improve your opportunities.

In other words, we make things simple—whether you’re dealing with an unexpected emergency, an urgent bill, or a home repair that’s adding up.

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.


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

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.



If you need a loan and have limited credit history—or even no credit at all—we’re here to help

Get started right away

All you need is an official government ID, proof of income, proof of address, and four references from either friends, family, or colleagues.

Spend less with Oportun

On average, our customers save $996 on their first personal loan when they choose Oportun over other available alternatives.

Committed to making your life better

We’ve helped our customers build better lives for more than a decade. To date, more than one million people have partnered with us to take control of their futures.


Average savings for first-time personal loan customers

4.1 million

Loans made

$9.8 billion

Total credit provided


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

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
All questions


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Call us at 888-806-9170 with questions.