We are committed to helping you take control of your finances, and we have the tools and resources to get you there.

COVID-19 resources and support


What is credit history?

Do you know what your credit history is? It affects your ability to borrow money or qualify for credit cards. This guide explains how you can build or improve your credit history.
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What are the benefits of getting a personal loan?

There are lots of benefits to taking out a personal loan. Here are five ways a personal loan can help you.
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What is a good personal loan rate?

What’s considered a good personal loan rate depends on your situation, financial history, and credit score (if you have one). Here’s what you need to know.
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What is a personal loan?

What is a personal loan and how does it work?
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How to get a personal loan with no credit history

If you’re looking to get a loan with no credit score, we’re here to help. Continue reading to learn how to get a personal loan with no credit history.
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What documentation do you need for a personal loan?

Ever wonder which documents you need to apply for a personal loan? Here’s your guide on what to gather.
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Payday loans versus traditional personal loans

Looking for a loan to cover an unexpected expense? Keep reading to learn about a payday loan versus a traditional personal loan.
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How to apply for a personal loan

If you need help covering an unexpected bill, car repair, or big purchase, a personal loan can help. Keep reading to learn about applying for a personal loan.
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What do I need to know about credit reports?

Your credit report is a record of your financial history and is used to calculate your credit score. Whether you realize it or not, credit...
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What is a credit score?

A credit score is a three digit number from 300 to 850 that banks use to help figure out how likely you are to make...
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Learn more about personal finances, good money habits, success stories—and more


Learn all about credit—and more

  • What is a credit score and why does it matter? Read more
  • What is a FICO® credit score and what goes into it? Read more
  • Improving your credit score: Payment history Read more

From our friends at Consumer Action, a nonprofit partner


We believe everyone deserves access to affordable credit—especially during times of crisis. We’re committed to providing better loans that help establish credit history and resources that strengthen financial wellness. Our commitment remains strong during this difficult time, and our hearts go out to all those affected by the coronavirus.


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Build new opportunities with support and services from our partners

Financial coaching

If you want to learn about your credit score or could use guidance on how to save for a long-term goal, we’ll put you in touch with UnidosUS for free financial coaching.

Local partners

Our partner SpringFour can help you discover nonprofit and government services near you. Save money, access healthcare, find a job, or look for vouchers to help you cover pressing costs.


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

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 is a FICO® credit score?

Credit scores try to estimate the likelihood that a borrower will pay back debts on time. There are many types of credit scores developed by different companies, but the FICO® score, developed by Fair Isaac Corporation, is one of the most commonly referenced credit scores.

According to Fair Isaac Corporation, your FICO® credit score is a number between 300 and 850, and is calculated by a formula that takes into account the following factors:

  • Payment history (35%)
  • Amount owed (30%)
  • Length of credit history (15%)
  • Credit mix (10%)
  • New credit (10%)
Credit cards, Establishing credit, Personal loans
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