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 +37  


This product is mostly recommended by SuperMoney users with a score of +37, 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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Community Rating Mostly recommended
APR  (Fixed APR) 19.9% - 36%
(Verified 08/04/2023)
Loan Amount $300 - $9,000
Loan Term (Months) 9 - 49 months
Number of Reviews 391

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 across the USA.

Key Takeaways

  • APRs starting at 19.9%. Personal loan interest rates typically range between 5% 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 credit score.
  • Origination fees of $0 to $300.
  • Short loan terms. Oportun Personal Loans have loan terms as short as 9 months.

Oportun Pros & Cons

Pros Cons
  • $0 prepayment fee.
  • Considers applicants with fair credit.
  • Funding available within 0 business day.
  • APRs as high as 36%.
  • Charges an origination fee.
  • Charges a late fee

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 $300and 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 $0 to $300

Does Oportun charge a late fee?

No, Oportun will not charge you a late fee if you miss one of the monthly payments.

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 No
Prepayment Fee No
Late Payment Fee No

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 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
  • Recent bank statements
  • Proof of citizenship or residence permit
Oportun 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 a personal loan via Oportun?

Oportun 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.

Are Oportun Personal Loans legit?

Oportun Inc. was founded in 2006, it is a well-established company with approximately 2,600 employees that has been in business for 17 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: 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.


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
  • Non-Resident
  • Non-Residents Through Entities Incorporated in the U.S.
  • U.S. Temporary Resident Visa Holders
Joint Loan Applications Accepted
  • Individual Applications
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Minimum Age 18
Verification Documents Required
  • Proof of citizenship/residence (Green Card)
  • Recent Pay Stubs
  • Proof of Income
  • Recent Bank Statements
Credit Score Range 300 - 850
Approval Speed 0 hours
Credit Bureau Reporting
  • Experian
  • TransUnion
Funding Time Range 0 - 1 day
Payment Options
  • Automatic Payments
  • Storefront
  • Bank Transfer
Pre-Qualified Soft Credit Inquiry
APR Type Fixed APR
Loan Amount $300 - $9,000
APR (Fixed APR) 19.9% - 36%
(Verified 08/04/2023)
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 +37, 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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