Affordable loans, bank cards, and help in your way to an improved future

Affordable loans, bank cards, and help in your way to an improved future

Partner with us right now to build a far better the next day


The path is believed by us to an improved future begins with credit. Therefore we’re making credit affordable. No credit history? Not a problem. Let’s get going.


Signature loans

Affordable individual and secured loans—no that is personal rating needed seriously to apply.

Bank cards

The Oportun Card is originating. Have actually an offer or need to know more?

Automotive loans

We help to make car buying simple—so there is the vehicle visit the web site that’s right for you personally.


We’ll put you in contact with UnidosUS free of charge coaching that is financial.

Regional lovers

Our partner, SpringFour, makes it possible to learn nonprofit and federal government solutions in your area.


Don’t simply take it from us. Our clients have actually offered us a lot more than 50,000 reviews that are 5-star Google.

Rolando Ortega

Serafin cancino

Lowkezz Scape

Sounds from our community

The mortgage ended up being simple. The individuals were friendly. I really do feel just like a right component for the community.

Sounds from our community

I do believe having good credit in the U.S. is indispensable. Compliment of Oportun, they provided me with the possibility to begin to build my credit and reach my objectives.

Sounds from our community

I became exhausted of all the nos. When i then 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

Each time you get into Oportun, you are made by them feel just like household. They will additionally assist you to together with your credit history.

Sounds from our community

The assistance that Oportun has offered me personally will constantly remain in my heart. They constantly give me personally the possibility. They never fail me personally.

Why Oportun

An affordable method of borrowing

Our affordable repayments are organized to fit well within your financial allowance. An average of, our clients save $993 on the very very first unsecured loan when they choose Oportun over other available options.

Developing a credit score helps place you in charge. Fast, budget-friendly assistance when it’s needed

Unlike other alternate lenders, we report consumer records to nationwide credit agencies, to help you start to establish credit score and start the entranceway to a different realm of possibilities. We’ve helped significantly more than 830,000 individuals without having a FICO rating begin establishing credit score.

We ensure it is possible for you to definitely be successful. Our procedures are convenient and quick, and then we don’t even demand a credit score to put on.



Could I be prequalified without impacting my credit rating?

Yes. As soon as we prequalify you, we operate a soft credit pull, which will not influence your FICO В® credit score.

Each time a decision that is final made on your own application, we operate a difficult credit pull, that could affect your credit rating. Find out more about hard and credit that is soft.

So how exactly does Oportun help me to build a credit score?

Unlike other alternative lenders, we report your account behavior to nationwide credit reporting agencies. Each thirty days, we inform them whether you’ve made your account repayments on some time in complete. You can easily establish credit that is positive you will be making your requested payments on or before your due date, spend a lot more than what exactly is required, or spend your account in complete. It generally speaking takes at the very least half a year to determine a short credit history.

We also report that to the credit bureaus if you miss payments or make late or incomplete payments. Such behavior can adversely affect your credit rating.

The lending company for the Oportun Visa bank card is WebBank, Member FDIC, which can be whom reports your account behavior to credit bureaus that is nationwide.