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Last Updated: 04/21/2026

Oportun Personal Loans

from Oportun Inc.

Last Updated: 04/21/2026

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

Mostly recommended392 total votes

266 users recommend

7 users are unsure

119 users don't recommend

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Highlights

Community Rating

Mostly recommended

APR (Fixed APR)

19.9% - 36%(Verified 06/21/2024)

Disclaimer popup with additional information

Amount Range

$300 - $9,000

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Loan Term (Months)

9 - 49

Number of Reviews

392

Oportun Personal Loans Review

Oportun Personal Loans is offered by Oportun Inc., a financial services company founded in 2006 and based in Redwood, CA. Oportun are available in 12 states.

Key Takeaways

APRs starting at 19.9%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Oportun Personal Loans are on the higher end of the spectrum.
Same day funding available. In some cases you may be able to access your money the same day you apply.
Prequalified rate. You can check your prequalified rate at Oportun Inc. with a soft pull that will not affect your FICO or VantageScore.
Origination fees of 3% to 10%. This is on the high end for lenders on SuperMoney's database. Don't forget that these fees are deducted from the loan amount, so take them into account when deciding how much money to borrow.
Short loan terms. Oportun Personal Loans have loan terms as short as 9 months.

Oportun Pros & Cons

Pros

Cons

No prepayment penalty.
Considers applicants of all credit types.
Same day funding available*.

APRs as high as 36%.
Charges an origination fee of up to 10% of the loan amount.
No co-sign option available.

Oportun FAQ

What interest rates and personal loan terms does Oportun offer?

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

What interest rates does Oportun offer?

Oportun offers a fixed APR personal loan product that ranges from 19.9% APR up to 36% APR.

How much can you borrow via Oportun?

Personal loan amounts start at $300 and go up to $9,000

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

Oportun offers loans with terms of up to 49 months.

Oportun Interest Rates & Loan Terms

Personal Loan Amount

$300 - $9000

Loan Term

9 - 49 months

APR

19.9% - 36%

What fees does Oportun charge?

Does Oportun charge an origination fee?

Oportun may charge a personal loan origination fee of 3% to 10% of the personal loan amount . Oportun deducts the origination fee directly from your personal loan amount, so make sure you take this fee into account when deciding how much you need to borrow.

Does Oportun charge a late fee?

Oportun does not disclose whether it charges late payment fees.

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 personal loan off early.

Oportun Fees

Origination Fee

3% - 10%

Prepayment Fee

Late Payment Fee

What do you need to qualify for Oportun Personal Loans?

When it comes to credit scores, Oportun Personal Loans doesn't have a set minimum or maximum. People with all types of credit scores can apply. 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.

U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Oportun Personal Loans. 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
Bank account information
Proof of citizenship or residence permit

Oportun Eligibility Criteria

Minimum Age

Bank Account Required?

Application Types Accepted

Individual Applications

Credit Score

300 - 850

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

Oportun will typically fund loans within 0 to 1 business days of approval and clearing necessary verifications.

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

Yes, Oportun Personal Loans reports to the following credit bureaus:

Experian
TransUnion

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

Does Oportun Inc. perform a hard credit pull?

As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates.

Oportun allows you to check your rates with a soft credit pull.

Are Oportun Personal Loans legit?

Oportun Inc. was founded in 2006, it is a well-established company that has been in business for 20 years. Based on their "mostly recommended" SuperMoney community rating, they seem to be a reputable company.

Oportun Personal Loans Disclosure: From personal loans to financial resources, we have the tools to help you get through life’s ups and downs.

SuperMoney Disclosure: SuperMoney.com 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...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

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.

Contact

Headquarters

2 Circle Star Way

Redwood, CA 94070

Visit Site

Email Support

Hours of Operation

Sunday

All Day

Monday

All Day

Tuesday

All Day

Wednesday

All Day

Thursday

All Day

Friday

All Day

Saturday

All Day

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SuperMoney Net Recommendation Score

SuperMoney users mostly recommend this product, giving it a user recommendation score of +38, or 3.8 on a 5-point rating scale.

+38

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Oportun Personal Loans Community Reviews

Would you recommend Oportun Personal Loans to your friends?

Desmond Z.

Dec 6, 2023

May or may not recommend

Easy to find and understand. I like how the website guided me.

Anita C.

Oct 14, 2023

May or may not recommend

First time I applied with Opportun I was skeptical but after paying it off and now borrow second time, I have all the confidence with Opportun that they help people and a company to trust.

Cheryl B.

May 17, 2023

May or may not recommend

Yesterday this company tried to direct debit my account for absolutely no reason. I reached out to their customer service as to figure out why. In doing my own research I found out I had submitted an application to them in 2022. But as far as I could tell my application was denied. I've never had any other dealings with this company. Yet again they tried to debit my ...Show More

Jacquelin H.

May 4, 2023

May or may not recommend

This is the first time I have used your service. But I am sure you are a trusted provider.

Sebastian C.

Dec 13, 2022

May or may not recommend

Exelente te apoyan y es muy rapido no creia hasta que lo obtuve mis respetos gracias

Mazhar C.

Nov 25, 2022

May or may not recommend

Fast and easy process. Flexible payments and when you make your payments on time you can refinance it. It has helped me very much in a short period

Cinthia P.

Jul 27, 2022

May or may not recommend

Honestamente me ha ido muy bien con la empresa. He tomado tres prestamos, nunca me han negado o tratado mal como algunos comentan. Por pagar mis préstamos a tiempo obtuve su tarjeta de crédito se 1,000 dólares y eso ha ayudado a mi crédito. En lo único que concuerdo es que los intereses están un poco elevados.

Anonymous

Jun 28, 2022

May or may not recommend

Fast and easy process. Flexible payments and when you make your payments on time you can refinance it. It has helped me very much in a short period

Marchee R.

Jun 12, 2022

May or may not recommend

Oportun helped me out in such short notice! Flexible and professional. If you’re looking for a loan, this is the place to apply! Affordability as far as payments go, I would give it 10 thumbs up if I could! Quick and easy process, I would HIGHLY recommend to anyone!

Richard B.

May 7, 2022

May or may not recommend

cant go wrong with oportun! Fast, courteous, professional thats what its all about and thats oportun! I highly recommend oportun loans just give oportun a try you'll be glad you did!

Jose M.

Feb 3, 2022

May or may not recommend

Easy, friendly and Professional . They made the whole process easy and incredible and less than an hour.

Barbara C.

Jan 27, 2022

May or may not recommend

Solicité un préstamo y en menos de 20 minutos estaba aprobada. En 24 horas tenía el dinero disponible en mi cuenta Gracias Oportun. Agradezco mucho el buen trabajo de Luis !! La tienda ubicada en military trail y summit blvd excelente servicio al cliente . Los recomiendo

Criatian M.

Dec 13, 2021

May or may not recommend

I like so much opportunity is very good l like so much

John S.

Dec 6, 2021

May or may not recommend

Oportun helped me when I was on unpaid sick leave from COVID. Thank you!

Ryan A.

Sep 29, 2021

May or may not recommend

I am satisfied. I got what i was looking for within a matter of hours.