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


We believe the trail to a significantly better future begins with credit. Therefore we’re making credit affordable. No credit rating? Not a problem. Let’s get going.


Unsecured loans

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

Bank cardsThe Oportun Card is coming. Have actually an offer or need to know more?

Automobile financing

We help to make car buying simple—so you will find the motor automobile that’s right for you personally.


We’ll put you in contact with UnidosUS free of charge economic mentoring.

Regional lovers

Our partner, SpringFour, will allow you to learn nonprofit and federal government solutions towards you.


Don’t simply take it from us. Our clients have actually offered us significantly more than 50,000 5-star reviews on Bing.

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Sounds from our community

The mortgage had been effortless. The individuals had been friendly. I really do feel just like component regarding the community.

Voices from our community

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

Sounds from our community

I became exhausted of all of the nos. When i then found out about Oportun, all of 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, they generate you feel just like family members. They will additionally allow you to along with your credit history.

Voices from our community

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

Why Oportun

An approach that is affordable borrowing

Our payments that are affordable organized to fit well within your allowance. An average of, our clients conserve $993 to their very very very first loan that is personal they choose Oportun over other available options.

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

Unlike other alternate lenders, we report client records to nationwide credit agencies, in order to commence 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 start credit history that is establishing.

We allow it to be simple for one to be successful. Our procedures are convenient and quick, and then we don’t also demand a credit rating to use.



Am I able to be prequalified without impacting my credit history?

Yes. You, we run a soft credit pull, which does not impact your FICO В® credit score when we prequalify.

Each time a concluding decision is made on the application, we operate a tough credit pull, that may affect your credit rating. Find out more about hard and soft credit pulls.

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

Unlike other alternate lenders, we report your bank account behavior to credit bureaus that is nationwide. Each thirty days, we inform them whether you’ve made your bank account repayments on some time in complete. You are able to establish credit that is positive you create your requested payments on or before your due date, spend a lot more than what’s required, or pay your bank account in full. It generally speaking takes at the very least 6 months to determine a credit score that is initial.

We also report that to the credit bureaus if you miss payments or make late or incomplete payments. Such behavior can impact your credit negatively score.

The financial institution for the Oportun Visa bank card is WebBank, Member FDIC, which can be whom reports your bank account behavior to nationwide credit agencies.


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