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We’re Bankrate’s #1 app for saving money in 2023 ✨
We’re Bankrate’s #1 app for saving money in 2023 ✨

Loans
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Credit cards
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Loans

Personal loans

Secured personal loans

Make a payment

Contact us

Locations

Tools

Loan calculator

FAQs

Glossary of financial terms

Get support from our partners

 

Get savvy

What do you need to apply for a loan?

What is an installment loan?





Get the all-in-one app to manage your loan. Plus it intelligently saves and
invests for you.

We doubled our referral bonus!
For a limited time, personal loan members can get $50 instead of $25 for
referring a friend.

Save

Set & SaveTM
Help
Contact

Tools

FAQs

Glossary of financial terms

Get support from our partners

 

Get savvy

4 Reasons it’s hard to save money and how we can help

How to save money on a tight budget with Set & Save





Get the all-in-one app that intelligently saves and invests for you.

We doubled our referral bonus!
For a limited time, personal loan members can get $50 instead of $25 for
referring a friend.

Credit cards

Credit card

Make a payment

Contact us

Locations

Tools

FAQs

Glossary of financial terms

Get support from our partners

 

Get savvy

Credit card security: Keeping your information safe

Don’t be fooled by these six credit myths





Get the all-in-one app that intelligently saves and invests for you.

We doubled our referral bonus!
For a limited time, personal loan members can get $50 instead of $25 for
referring a friend.

Get the all-in-one app that intelligently invests, saves, and budgets for you.
Or manage your loan like never before.





Select an account to log in

Loans or credit cards

Savings

Sezzle credit accounts


Log In
Log In Log In Log In

Get the all-in-one app that intelligently invests, saves, and budgets for you.
Or manage your loan like never before.



We doubled our referral bonus!

For a limited time, personal loan members can get $50 instead of $25 for
referring a friend




Select an account to log in

Loans or credit cards

Savings

Sezzle credit account

Apply now Apply now for a personal loan
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(866) 488-6090
Locations


YOUR MONEY GOALS ARE OUR GOALS

$300 to $10,000 affordable loans to reach your full potential. Your new
financial journey starts here.

Apply for a loan now

Get prequalified in minutes without affecting your credit score.
See personal loan terms

Apply for a loan now
See personal loan terms

Loans
For bills, repairs, deposits, and more



Save

Reach your goals with Set & SaveTM



Credit cards

That help you build credit



Check out what else Oportun has to offer:


YOUR MONEY GOALS ARE OUR GOALS

$300 to $10,000 affordable loans to reach your full potential. Your new
financial journey starts here.

Apply for a loan now

Get prequalified in minutes without affecting your credit score.
See personal loan terms

Apply for a loan now
See personal loan terms

Loans
For bills, repairs, deposits, and more



Save

Reach your goals with Set & SaveTM



Credit cards

That help you build credit



Check out what else Oportun has to offer:


YOUR MONEY GOALS ARE OUR GOALS

$300 to $10,000 affordable loans to reach your full potential. Your new
financial journey starts here.

Apply for a loan now

Get prequalified in minutes without affecting your credit score.
See personal loan terms

Apply for a loan now
See personal loan terms

Loans
For bills, repairs, deposits, and more



Save

Reach your goals with Set & SaveTM



Credit cards

That help you build credit



Check out what else Oportun has to offer:


YOUR MONEY GOALS ARE OUR GOALS

$300 to $10,000 affordable loans to reach your full potential. Your new
financial journey starts here.

Apply for a loan now

Get prequalified in minutes without affecting your credit score.
See personal loan terms

Apply for a loan now
See personal loan terms

Loans
For bills, repairs, deposits, and more



Save

Reach your goals with Set & SaveTM



Credit cards

That help you build credit



Check out what else Oportun has to offer:

See credit card terms

See credit card terms


WE’VE MADE SOME FRIENDS ALONG THE WAY

9 OF 10 MEMBERS

would refer friends to Oportun



75,000 5-STAR REVIEWS

on Google and Trustpilot



“THE WHOLE PROCESS WAS EXTREMELY EASY AND PLEASANT.”

Claudia M., from Google




OUR SMART SOLUTIONS IN THE PALM OF YOUR HAND

The Oportun app helps you set your goals and save without thinking about it.



Standard data charges may apply.


PERSONAL LOANS FOR ALL KINDS OF GOALS

From $300 to $10,000
For bills, repairs, deposits, and more

Fast funding
With direct deposit

Affordable payments
That fit your budget

 




LOAN CALCULATOR

What could your loan payments look like?
Get started by sharing some information
Get prequalified in minutes without affecting your credit score
Here’s what you might expect
Apply once and get two great options
Get started by sharing some information
Apply now


SET & SAVE HELPS YOU SAVE WITHOUT THINKING ABOUT IT

A savvier way to save
Set up your savings goals and we’ll start working toward them

Smart amounts, saved here and there
Set & Save learns your spending habits and intelligently moves money to a
savings account for you

Our members save over $1,800 a year*
It really does add up fast

 




A+ rating by the Better Business Bureau (BBB)

#1 savings app of 2023 by Bankrate

CDFI: Certified by U.S. Department of the Treasury


GET SAVVY ABOUT MONEY

What is a loan origination fee?
What do you need to get a personal loan?
What is a personal loan and how do personal loans work?
What is an installment loan?
How to get a personal loan
Can you pay off a personal loan early?

View financial education


MORE TOOLS TO GUIDE YOUR JOURNEY

FIND JOBS WITH HELP FROM STEADY

Learn about how to increase your income and plan for your future



GET FINANCIAL ADVICE FROM UNIDOSUS

Understand your credit, financial plan, and more with free financial coaching



DISCOVER SERVICES THROUGH SPRINGFOUR

Locate local nonprofit and government programs providing financial support




THAT SUMS IT UP

Still have questions? Here are a few we’ve answered before.

What documentation do I need to apply for a personal loan?

Our personal loan application process is quick and easy. The process usually
only takes around 10 minutes to complete once you’ve gathered the required
documents.

To apply for a personal loan, you’ll need to provide the following documents:

 * Government-issued ID (from most countries)
 * Proof of address, such as gas and electricity bills
 * Proof of income, such as paystubs
 * A list of your recurring monthly debt payments

After you submit your application and these documents, we’ll typically let you
know if you’re application for a personal loan is approved in a matter of
minutes.

Can more than one person sign for a personal loan?

You may be able apply for a personal loan through Oportun with a cosigner in
certain situations. We’ll let you know when you apply if you’re eligible.

A cosigner is someone who adds their name to your personal loan application.
This is typically a close friend or family member. You’ll want to choose a
cosigner who has a high credit score. Your cosigner’s credit history can
strengthen your personal loan application and increase your chances of getting
approved.

It’s important to understand that your cosigner can be held responsible for your
personal loan payments if you don’t make them on time. Their credit score will
also be impacted by the credit activity on your personal loan account. For these
reasons, it’s important to make your personal loan payments on time.

Can I be prequalified without impacting my credit score?

Getting prequalified won’t impact your credit score. A prequalification only
requires a soft inquiry of your credit report. Soft inquiries allow lenders to
see some information from your credit report without impacting your credit
score.

If you choose to submit a formal application, a hard credit inquiry will be
conducted. Hard inquiries can impact your credit score. .



Oportun
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Help
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Products
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 * Personal loans
 * Set & Save
 * Credit cards

Contact

(866) 488-6090
hello@Oportun.com

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To stay up to date with Oportun, please sign up for updates.

 

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Get the Oportun app

All your financial needs, right at your fingertips.





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View state licenses and notices.

California loans made pursuant to a California Financing Law license.

New Jersey residents: This is an advertisement for a consumer loan.

New Mexico residents: TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER, YOU MAY
WRITE OR CALL: Customer Experience – Contact Manager, Oportun, PO Box 4085,
Menlo Park, CA 94026; 888-408-3020; Complaints@oportun.com. This lender is
licensed and regulated by the New Mexico Regulation and Licensing Department,
Financial Institutions Division, PO Box 25101, 2550 Cerrillos Road, Santa Fe,
New Mexico 87504. To report any unresolved problems or complaints, contact the
division by telephone at 505-476-4885 or visit the website

NMLS #1671904. Click  for the NMLS Consumer Access Database.

Oportun’s website terms, privacy, and security policies don’t apply to outside
sites we reference. Please review those websites for their terms, privacy, and
security policies to see how they apply to you. Oportun isn’t responsible for
(and doesn’t provide) any products, services or content at this third-party site
or app, except for products and services that explicitly carry our name.





Personal loans information

Lender information: Personal loans in CA, NM, and WI are originated by Oportun
Inc. NV loans originated by Oportun, LLC. Personal loans in AL, AK, AR, AZ, DE,
FL, GA, HI, ID, IL, IN, KS, KY, LA, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, OH,
OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, and WY are originated by
Pathward®, N.A. THIS IS A LOAN SOLICITATION ONLY. OPORTUN MAY NOT BE THE LENDER.
INFORMATION RECEIVED WILL BE SHARED WITH PATHWARD IN CONNECTION WITH YOUR LOAN
INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT OR OTHER STATE LENDING
LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.

Product Terms: Lending products are subject to credit approval. Terms may vary
by applicant and state and are subject to change. While a prior credit history
is not required to qualify, credit reports will be requested and considered for
all applicants. Account payment history is reported to select nationwide credit
bureaus. Prequalification will not impact your credit score with the nationwide
credit reporting agencies until you submit for final approval. Typical personal
loan amounts are $500 to $5,500 for new customers, $2,000 to $10,000 for
returning customers, and secured personal loan amounts are $4,500 to $16,000,
based on information from previously approved loans which may not represent
current terms. Click the products below for specific details.

Pricing information: Amounts financed for unsecured personal loans vary by
state: amounts above $6,000 are not available for first-time borrowers; amounts
below $3,100 are not available in GA; and amounts below $1,600 are not available
in HI. A secured personal loan with an amount financed from $2,525 to $18,500 is
only offered by Oportun through the personal loan application to qualifying
customers in CA subject to certain terms and conditions. For example, for an
unsecured personal loan with a principal amount of $3,261, a term of 30 months,
an 8% administrative fee of $261, an APR of 35.95%, the borrower will receive
$3,000 and make 66 payments of $70, due every 2 weeks. For example, for a
secured personal loan in California with a principal amount of $7,609 for a term
of 42 months, an 8% administrative fee of $609, and an APR of 34.95%, the
borrower will receive $7,000 and make 91 payments of $134, due every 2 weeks.

Credit card information

Lender information: Oportun® Visa® Credit Card is issued by WebBank. The Oportun
Credit Card is open to all consumers, except for residents in CO, DC, IA, MD,
WI, and WV. See the Oportun Cardholder Agreement or the Oportun Cash Back
Cardholder Agreement for details, including applicable fees.

Product terms: The credit card is subject to credit approval. Terms may vary and
are subject to change. While a prior credit history is not required to qualify,
credit reports will be requested and considered for all applicants. Account
payment history is reported to select nationwide credit bureaus.
Prequalification will not impact your credit score with credit reporting
agencies until you submit for final approval.

Pricing information: Credit card loan amounts range from $330 to $1,000. APRs
are variable with initial rates ranging from 24.90% to 29.90% as of September
2023.

Your savings funds are held at other partner banks and funds are FDIC insured,
subject to applicable limitations and restrictions.

Customer satisfaction based on quarterly survey results from Q3 2023. 9 out of
10 is based on loan members and 4 out of 5 is based on credit card members.

Google and Trustpilot reviews are solicited from credit customers only. Google
rating is currently based on all Oportun store locations.

* Member savings based on average saves of all paying app members in the prior
12 months. Not a guarantee; results will vary based on your income and spending.

Community partners like SpringFour, UnidosUS, and Steady, are not affiliates or
agents of Oportun, Inc. or its affiliates. Community partners are optional
services and are not partner bank services through Pathward, N.A. or WebBank
N.A. Oportun is not responsible for any third-party content and opinions
provided by community partners.

© 2024 Oportun, Inc. All rights reserved.

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information to third parties. When you use our site, you agree to our cookies
policy. Find out more.

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