Local partners

Connect quickly to helpful nonprofit and government resources near you with our partner SpringFour


Save time and money with free access to resources that can support you

SpringFour logo - SpringFour connects Oportun customers to nonprofits who can help improve their financial situations.

It’s often hardest to ask for help when you need it most. Our partner, SpringFour, saves you time and money by connecting you quickly to resources that can lend a hand—whether it’s saving on your bills, covering an emergency, finding childcare, or looking for a job.

It’s free to search SpringFour’s comprehensive directory of nonprofit and government services, which lend assistance in a wide range of categories including childcare, home repair, prescription savings, legal services, and more.

Need a helping hand?

Learn more


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

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

What is a nationwide credit reporting agency?

There are three nationwide credit reporting agencies, also called credit bureaus: Experian, TransUnion, and Equifax. These companies collect financial and other data about users, which is recorded in credit reports and used to create credit scores. Each bureau does not collect the exact same information, so a person can actually have multiple credit scores, including multiple FICO® credit scores.

Establishing credit
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