Oportun Personal Loans
Oportun Personal Loans
in Personal Loans from Oportun Inc.

Oportun Personal Loans

in Personal Loans from Oportun Inc.
SuperMoney Net Recommendation Score +36


This product is mostly recommended by SuperMoney users with a score of +36, equating to 3.7 on a 5 point rating scale.


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

259 users recommend
6 users are unsure
119 users don't recommend
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Spotloan Strongly Recommended 20 reviews
Community Rating Mostly recommended
APR  (Fixed APR) 19.9% - 36%
Loan Amount $300 - $9,000
Loan Term (Months) 9 - 49 months
Number of Reviews 384

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 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 19.9% APR up to 36% 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 9 to 49 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 9 - 49 months
APR 19.9% - 36%

What fees does charge?

Do Oportun Personal Loans charge an origination fee?

charges a loan origination fee of $0 to $300

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?

When it comes to credit scores, Oportun Inc. 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.

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
  • Recent bank statements
  • 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 - 850

    What is the estimated funding time for Oportun Personal Loans?

    Oportun Personal Loans will typically provide a credit approval decision in less than an hour and fund the loan within 1 business day.

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

    Yes, 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 may help improve your credit.

    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: 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 Personal Loans

    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.


    Other Services by Oportun Inc.


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

    Feature Breakdown

    No Prepayment Fee
    Origination Fee ($) $0 - $300
    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 - 850
    Approval Speed 0 hours
    Credit Bureau Reporting
    • Experian
    • TransUnion
    Funding Time Range 0 - 1 day
    Payment Options
    • Automatic Payments
    • Bank Transfer
    • Storefront
    Pre-Approved Soft Credit Inquiry
    Loan Amount $300 - $9,000
    APR (Fixed APR) 19.9% - 36%
    Loan Term 9 - 49 months

    Oportun Personal Loans Community Reviews


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    This product is mostly recommended by SuperMoney users with a score of +36, equating to 3.7 on a 5 point rating scale.


    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.

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