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  Oportun Personal Loans

Oportun Personal Loans

in Personal Loans from Oportun Inc.

Claimed

Oportun Personal Loans

Claimed

in Personal Loans from Oportun Inc.

SuperMoney Net Recommendation Score +36% 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.

Mostly recommended

246 users recommend
6 users are unsure
114 users don't recommend
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Highlights
Highlights
Community Rating Mostly recommended
Loan Amount $300 - $9,000
APR  (Fixed APR) 20% - 67%
Loan Term 6 - 46 months
Number of Reviews 369

Oportun Personal Loans Review

Oportun Personal Loans is offered by Oportun Inc., a financial services company founded in 2005 and based in San Carlos, CA. Oportun Personal Loans is available in 12 states across the USA.

What rates and terms does Oportun Personal Loans offer?

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

What personal loan APRs does Oportun Personal Loans offer?

Oportun Personal Loans offers a fixed APR personal loan product that ranges from 20% APR up to 67% 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 Personal Loans?

Loan amounts start at $300 and go up to $9,000.

What can a personal loan from Oportun Personal Loans be used for?

Personal loans from 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 Personal Loans?

offers personal loans with terms ranging from 6 to 46 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 Personal Loans Rates & Terms
Loan Amount $300 - $9000
Loan Term 6 - 46 months
APR 20% - 67%

What fees does charge?

Do Oportun Personal Loans charge an origination fee?

charges a loan origination fee.

Does charge a late fee?

Yes, Oportun Personal Loans may charge borrowers a late payment fee

Do Oportun Personal Loans charge prepayment fees?

No, 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 Personal Loans Fees
Origination Fee N/A
Prepayment Fee? No
Late Payment Fee N/A

What do you need to qualify for Oportun Personal Loans?

The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Oportun Personal Loans does not have or does not disclose a minimum annual income eligibility requirement.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Oportun Personal Loans. Their rates fall within the limits of The Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by Oportun Personal Loans. Permanent resident / green card holders are also eligible to apply. Not all companies will work with visa holders. Oportun Inc. does offer its services to temporary resident visa holders such as F1 or H1B holders. An uncommon feature is for lenders to offer their services to non-residents. Oportun Inc. is one of the few that does. If you are a non-resident looking to access these services through an entity incorporated in the U.S., you are in luck. Oportun Personal Loans will consider you for their services.

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

  • Recent pay stubs
  • Proof of income
  • Proof of citizenship or residence permit
Oportun Personal Loans Eligibility Criteria
Minimum Age 18
Bank Account Required? No
Application Types Accepted
  • Individual Applications
  • Credit Score 300 - 700

    What is the estimated funding time for Oportun Personal Loans?

    Oportun Personal Loans will typically approve (or deny) a loan application within 48 hours and fund personal loans within 2 business days of approval.

    Does Oportun Personal Loans report your account activity to credit bureaus?

    Oportun Personal Loans reports your account activity to the following credit reporting agencies:

    • Experian
    • Transunion

    Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

    OPORTUN PERSONAL LOANS Disclosure: From personal loans to financial resources, we have the tools to help you get through life’s ups and downs.
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    Contact

    • Headquarters
    •   2 Circle Star Way
      San Carlos, CA 94070
    •   Visit Site

    Message from Oportun Inc.

    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 Personal Loans

    Availability

    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 12 states
    • Arizona
    • California
    • Florida
    • Idaho
    • Illinois
    • Missouri
    • Nevada
    • New Jersey
    • New Mexico
    • Texas
    • Utah
    • Wisconsin

    Feature Breakdown

    No Prepayment Fee  
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    • U.S. Temporary Resident Visa Holders
    • Non-Resident
    • Non-Residents Through Entities Incorporated in the U.S.
    Joint Loan Applications Accepted Individual Applications
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Verification Documents Required
    • Proof of Income
    • Recent Bank Statements
    • Recent Pay Stubs
    • Proof of citizenship/residence (Green Card)
    Credit Score Range 300 - 700
    Approval Speed 48 hours
    Credit Bureau Reporting
    • Experian
    • TransUnion
    Funding Time Range 1 - 2 days
    Payment Options
    • Automatic Payments
    • Bank Transfer
    • Storefront
    Loan Amount $300 - $9,000
    APR (Fixed APR) 20% - 67%
    Loan Term 6 - 46 months

    Oportun Personal Loans Community Reviews

     

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