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Oportun personal loans are available in 12 states. View state licenses and disclosures.

  • 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 .

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

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.

While a prior credit history is not required to qualify, Oportun will request and consider consumer credit reports for all applicants. Oportun reports account payment history to nationwide credit bureaus.

Loans subject to credit approval. Terms may vary by applicant and state and are subject to change.

Personal loans: The maximum loan amount varies by state, and loans above $6,000 are available to qualified returning customers only.

Auto loans: To qualify for an auto purchase loan, you must be at least 18 years old, not have an active Oportun loan, and reside in California. Additional conditions may apply such as vehicle make, age, and mileage.

OportunPath: For top up coverage, the checking account you link must meet income and eligibility requirements as we determine from time to time. Top up coverage is not guaranteed.

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.