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Get a $25 gift card with your first personal loan by providing the code below during your application:

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

What we offer

Get an affordable loan, quickly

Oportun customers at their kitchen table reading their personal loan documents.

  • Loans from $300-$6,000
  • Fixed and affordable payments that fit your budget
  • Funds delivered fast—often within 24 hours
  • No credit history required to apply
  • Friendly service in English and Spanish



Get prequalified in minutes
Provide the referral code with your application


Complete your application
All you need is a valid photo ID, proof of income, and proof of address


Get your money quickly
Receive your loan funds in as little as 2 hours. Get your $25 gift card.


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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Call us at 888-806-9170 with questions.