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Oportun personal loans are available in 12 states. 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: Reese Willard, Sr. Manager, Customer Experience, 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

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® Visa® Credit Card is issued by WebBank, Member FDIC. Actual account terms are based on application information and creditworthiness, and may vary.

*Important Product Information:  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 nationwide credit bureaus.  Click the products below for specific details. Prequalification will not impact your FICO score with the nationwide credit reporting agencies, until you submit for final approval.

Personal loans

A secured personal loan is only offered through our personal loan applications to qualifying customers in California, subject to certain terms and conditions. Terms may vary by applicant and state, and are subject to change.  The maximum loan amount varies by state, and loans above $6,000 are available to qualified returning customers only.

Credit cards

Oportun® Visa® Credit Card is issued by WebBank, Member FDIC. 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 December 6, 2019. See the Oportun Cardhholder Agreement for details, including applicable fees.

Google rating is currently based on all Oportun store locations.

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.

Customer satisfaction based on October 2020 customer survey.