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Partner with us to build a better tomorrow today

October 12th , 2020
Partner with us to build a better tomorrow today

Affordable loans, services, and help made to help you through life’s ups that are financial downs


Life is not always simple, but once we come together, we make life better. At Oportun, we’re building a community of employees, customers, and lovers in order to connect you using the monetary solutions and help that will help you today and open up brand new possibilities tomorrow. From unsecured loans to resources that are financial we could help. So let’s get going.


We’re dedicated to assisting you build a far better future—and we possess the items, solutions, and programs to truly get you there.

Unsecured loans

Get a loan that is affordable quickly—no credit score required.

Automotive loans

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

Bank cards

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


We’ll put you in contact with UnidosUS 100% free coaching that is financial.

Local lovers

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

Sounds from our community

Every time you get into Oportun, you are made by them feel just like family members. They shall additionally allow you to along with your credit history.

Sounds from our community

I happened to be exhausted of all nos. Once i then found out about Oportun, all of that went away. There’s not a no. There’s a yes. Approved. You’re qualified.

Sounds from our community

The assistance that Oportun has offered me personally will constantly stay static in my heart. They always give me personally the opportunity. They never fail me personally.

Sounds from our community

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

Voices from our community

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

New from Oportun: Automotive Loans

Now an auto can be got by you loan with Oportun

For you every step of the way whether you want to purchase a vehicle from a dealership or a private seller, we’ll be there.

  • Funding from $5,000 to $30,000
  • Invest in a dealership or seller that is private
  • Design your loan terms
  • Apply from your computer or phone
Get the full story


You want to see you succeed—and the products are had by us and resources to aid you on the way

An approach that is affordable borrowing

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

Developing a credit score helps place you in charge

Unlike other alternate lenders, we report consumer records to nationwide credit reporting agencies, to help you start to establish credit rating and start the entranceway to a different realm of possibilities. We’ve helped a lot more than 830,000 individuals with no FICO rating begin credit history that is establishing.

Fast, budget-friendly assistance when it's needed

We ensure it is simple for one to be successful. Our processes are convenient and quick, and now we don’t also need a credit rating to use.


We have been focused on assisting you take close control of the funds, so we have actually the equipment and resources to there get you.


May I 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 decision that is final made on the application, we operate a difficult credit pull, which could influence your credit rating. Find out more about hard and soft credit pulls.

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

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 account repayments on some time in complete. You are able to establish credit that is positive you make your requested payments online payday loans Cheshire on or before your due date, spend a lot more than what's required, or spend your account in full. It generally speaking takes at the least half a year to ascertain an initial credit rating.

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

The financial institution when it comes to Oportun Visa bank card is WebBank, Member FDIC, that is whom reports your bank account behavior to credit bureaus that is nationwide.

What is the simplest way to help make my personal loan re payments?

When you yourself have a checking or family savings, the simplest way to help make payments on the unsecured loan is by automobile pay. Sign in, check out a spot, or give us a call at 866-488-6090 to enroll in automobile pay. Get bank routing and account figures handy.

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Oportun signature loans are obtainable in 12 states. View state licenses and disclosures.

  • California loans made pursuant to a California Financing Law permit.
  • Nj-new jersey residents: it is an ad for the customer loan.
  • New Mexico residents: TO REPORT A CHALLENGE OR COMPLAINT WITH THIS SPECIFIC LENDER, YOU MAY POSSIBLY WRITE OR CALL: Reese Willard, Sr. Manager, Customer Experience, Oportun, PO Box 4085, Menlo Park, CA 94026. This loan provider is certified and controlled because of the brand New Mexico Regulation and Licensing Department, banking institutions Division, PO Box 25101, 2550 Cerrillos path, Santa Fe, New Mexico 87504. To report any unresolved dilemmas or complaints, contact the Division by phone at 505-476-4885 or go to the site.
  • NMLS #1671904 just click here when it comes to NMLS customer Access Database

Oportun’s terms that are website privacy, and security policies don’t apply to outside sites we guide. Please review those sites with their terms, privacy, and security policies to observe how they connect with you.

The Ventiva В® prepaid Visa card is released by MetaBank В® , Member FDIC, pursuant to a permit from Visa U.S.A. Inc.

Oportun В® Visa В® bank card is given by WebBank, Member FDIC. Actual account terms depend on application creditworthiness and information, and can even differ.

While a previous credit rating is not essential to qualify, Oportun will request and consider credit rating reports for several candidates. Oportun reports account re payment history to nationwide credit bureaus.

Loans at the mercy of credit approval. Terms can vary by applicant and state and tend to be susceptible to alter.

Signature loans: the utmost loan quantity differs by state, and loans above $6,000 are available to returning that is qualified just.

Automotive loans: To be eligible for an auto purchase loan or even to refinance your auto that is current loan you truly must be 18 yrs old and live in California. Loans are subject to credit approval and terms can vary greatly by applicant and state. You have to satisfy our credit needs, including an evaluation of the credit rating (when you have one) and power to repay the mortgage, and, for a refinance, recognition of a auto tradeline that is qualifying. We are going to additionally consider carefully your performance on any existing or oportun that is prior. Additional conditions may apply, such as for example car make, age and mileage. Prequalification will not influence the nationwide credit reporting agencies to your FICO score, before you distribute for last approval. While a prior credit score is not essential to qualify, Oportun will request and consider credit rating reports for many applicants. Prequalified customers can pick from available loan terms according to application information. Car cost must certanly be between $5,000-$30,000. Refinance loans permitted from $5,000 to $35,000.

You can lower your monthly payment, but you will pay interest over a longer period of time and the overall cost of your loan may be higher if you refinance for a longer term than your existing auto loan.