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SuperMoney Net Recommendation Score -66% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Strongly not recommended

16 users recommend
2 users are unsure
81 users don't recommend
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Where does Oportun do business?

Oportun is a direct lender based in Redwood City, CA. Founded in 2005, Oportun offers access to personal loans in 11 states across the USA.

What are the APRs offered via Oportun?

Oportun has a variable APR that ranges from 30% up to 39%.

Does Oportun charge an origination fee?

Yes, Oportun charges a loan origination fee. 

Does Oportun charge a late fee?

Yes, Oportun may charge borrowers a late payment fee

Does Oportun charge prepayment fees?

No, Oportun does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.

How much can you borrow via Oportun?

Loan amounts start at $300 and go up to $7,000.

What is the maximum loan term you can get with Oportun?

Oportun offers personal loans with terms ranging from 7 to 42 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

What do you need to qualify for a loan with Oportun?

Applicants with a credit score of at least 300 can apply for a loan via Oportun . The minimum age to apply for a loan is 18 or the state minimum, whichever is higher.

Active duty servicemembers and their covered dependents are eligible to apply for a loan via Oportun. Their rates fall within the limits of The Military Lending Act.

To qualify, applicants may need to provide the following documentation:

  • Driver's license
  • Proof of citizenship or residence permit
  • Recent pay stubs
  • Proof of income

What is the estimated funding time for a personal loan via Oportun?

Oportun will typically approve (or deny) a loan application within 24 hours and fund personal loans within 7 business days of approval.

Does Oportun report loan payments to credit bureaus?

Oportun may report credit data to the following credit reporting agencies:

  • Experian
  • Transunion

OPORTUN Disclosure: Oportun reports account payment histories to credit bureaus. Late or missed payments may have a negative impact on credit history or credit score. If you do not have a Social Security number, the credit bureaus may not be able to report your credit history completely and accurately.? Loans made to Illinois residents without an official U.S. issued identification may require a foreign issued passport or consular identification. All loans upon approved credit. $8,000 loans and 42-month loan term available to returning customers. Loan amounts of less than $2,500 to California borrowers are made exclusively under California Financial Code §§ 22365 – 22381 (the "Pilot Program"). The Pilot Program restricts the amount of the borrower’s monthly debt compared to monthly income and limits the number of times the loan may be refinanced, among other things. Borrowers who meet our credit requirements but who do not meet Pilot Program restrictions may be offered loan amounts of $2,500 or more only. California loans made under a California Finance Lenders Law License.
SUPERMONEY Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...


  • Headquarters
  • 1600 Seaport Blvd STE 250
    Redwood City, CA 94063 USA
  • Visit Site

Message from Oportun

Oportun is a financial technology company founded in 2005 with the mission of providing affordable loans that help people with little or no credit history establish credit and build a better future.


Available in 11 States
  • Arizona
  • California
  • Florida
  • Idaho
  • Illinois
  • Missouri
  • Nevada
  • New Mexico
  • Texas
  • Utah
  • Wisconsin

Feature Breakdown

No Prepayment Fee
Minimum Age
Joint Loan Applications Accepted
  • Only Individual Applications
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Credit Score Range
300 - 700
850 300 700
Immigration Status Considered
  • U.S. Permanent Resident
Verification Documents Required
  • Proof of Income
  • Recent Pay Stubs
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Loan Term (Months)
7 - 42
1 180
Loan Amount
$300 - $7K
$100 $100K+
30% - 39%
4% 100%+


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