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Vol: Last updated Jul 19, 2022 4:01 PM EDT

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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; [email protected]. 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 here for the NMLS Consumer Access Database.

Lender information

Personal loans in AZ, CA, FL, ID, IL, MO, NJ, NM, TX, UT, and WI are originated by Oportun Inc. NV loans originated by Oportun, LLC.
Personal loans in AL, AK, AR, DE, IN, KS, KY, LA, MI, MS, MT, NC, ND, NH, OK, OR, SC, SD, TN, VA and VT are originated by MetaBank^{^®}, N.A., Member FDIC.
Oportun^{^®} Visa^{^®} Credit Card is issued by WebBank, Member FDIC. 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 for details, including applicable fees.

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.

General 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 loan amounts are $500 to $3,500 for personal loans for new customers, $500 to $7,500 for returning customers, and $3,200 to $10,000 for secured personal loans. Click the products below for specific details.

Personal loans

The maximum loan amount varies by state, and unsecured personal loans above $6,000 are not available in Florida and only to qualified returning customers in other states. A secured personal loan from $2525 to $20,000 is only offered by Oportun through the personal loan application to qualifying customers in California, Florida, and Texas subject to certain terms and conditions. Secured loans limited to $18,000 in Texas.

For example, an unsecured personal loan of $3,000 would have 58 payments of $76, due every 2 weeks over 27 months, at a 35.95% APR with an origination fee of up to $150 for this loan amount.

For example, a secured personal loan of $7,000 in California would have 91 payments of $134, due every two weeks over 42 months, at 34.95% APR with a possible origination fee of $300 for this loan amount.

Credit card

Actual account terms are based on application information and creditworthiness and may vary. Credit card loan amounts range from $300 to $1,000. APRs are variable and range from 24.90% to 29.90% as of July 2021.

Google rating is currently based on all Oportun store locations.

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 MetaBank^{^®}, N.A. or WebBank N.A. Oportun is not responsible for any third-party content and opinions provided by community partners.

Oportun: The True Cost of a Loan: Based on research commissioned by Oportun and conducted by the Financial Health Network (FHN), the total savings number equals the difference between the average cost of other widely available alternative lending products that customers may have used and the average cost of an Oportun loan of the same amount, multiplied by Oportun first-time borrowers. FHN analyzed the rates, fees, and terms for payday, pawn, auto-title, installment, and rent-to-own products for customers in Arizona, California, Florida, Illinois, Nevada, New Mexico, Texas, and Utah and calculated the total cost of those products for common loan amounts. FHN considered the loan repayment structure and time frame for each product, borrower income, the potential for rollovers and refinancings, and legal parameters that prevent or constrain borrowing. Oportun updates the model quarterly to calculate the total amount that Oportun first-time borrowers have saved since 2006 in interest and fees compared to the alternative products. The actual savings for each customer will vary based on specific loan terms and alternative products available in your area.

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Personal loans

$300 to $10,000
APRs no higher than 35.99%

Credit cards

Lines up to $1,000
24.90% to 29.90% APR

Personal loan applicants

Personal loan customers

Credit cards