in Personal Loans from Oportun




in Personal Loans from Oportun

SuperMoney Net Recommendation Score -62% 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

23 users recommend
5 users are unsure
107 users don't recommend
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Community Rating Strongly not recommended
Loan Amount $300 - $7,000
APR 30% - 39%
Loan Term (Months) 7 - 42
Number of Reviews 135


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 rates and terms does Oportun offer?

Oportun has higher interest rates than the average for lenders reviewed on SuperMoney.

What personal loan APRs does Oportun offer?

Oportun offers a personal loan product that ranges from 30% APR up to 39% APR.

Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

How much can you borrow via Oportun?

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

What can a personal loan from Oportun be used for?

Personal loans from Oportun are typically used for special purchases, debt consolidation, home improvement projects, weddings, unexpected expenses or similar purposes.

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.

Oportun Rates & Terms
Loan Amount $300 - $7000
Loan Term 7 - 42 months
APR 30% - 39%

What fees does Oportun charge?

Does Oportun charge an origination fee?

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.

Oportun Fees
Origination Fee N/A
Prepayment Fee? No
Late Payment Fee N/A

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
Oportun Eligibility Criteria
Minimum Age 18
Bank Account Required? No
Joint Applications Accepted? Yes
Credit Score 300 - 700

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.

About Oportun


Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 11 states
  • Arizona
  • California
  • Florida
  • Idaho
  • Illinois
  • Missouri
  • Nevada
  • New Mexico
  • Texas
  • Utah
  • Wisconsin

Feature Breakdown

No Prepayment Fee  
Minimum Age 18
Credit Score Range 300 - 700
Immigration Status Considered
  • U.S. Permanent Resident
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Joint Loan Applications Accepted
  • Individual Applications
Verification Documents Required
  • Proof of Income
  • Recent Pay Stubs
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Loan Amount $300 - $7K
Loan Term (Months) 7 - 42
APR 30% - 39%



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