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 +28% 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

207 users recommend
6 users are unsure
114 users don't recommend
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Community Rating Mostly recommended
Loan Amount $300 - $7,000
APR 30% - 39%
Loan Term 7 - 42 months
Number of Reviews 329

Oportun Personal Loans Review

Oportun Personal Loans is offered by Oportun Inc., a direct lender founded in 2005 and based in Redwood City, CA. Oportun Personal Loans is offered in 11 states across the USA.

What rates and terms does Oportun Personal Loans offer?

Oportun Personal Loans 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 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 Personal Loans?

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

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

Personal loans from Oportun Personal Loans 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?

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

What fees does Oportun Personal Loans charge?

Does Oportun Personal Loans charge an origination fee?

Oportun Personal Loans charges a loan origination fee.

Does Oportun Personal Loans charge a late fee?

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

Does Oportun Personal Loans charge prepayment fees?

No, Oportun Personal Loans 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?

Applicants with a credit score of at least 300 and up to 700 are eligible 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.

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

  • Recent pay stubs
  • Proof of income
  • Driver's license
  • 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 a personal loan via Oportun Personal Loans?

    Oportun Personal Loans will typically approve (or deny) a loan application within 24 hours and fund personal loans within 7 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: 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 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


    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  
    Immigration Status Considered
    • U.S. Permanent Resident
    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 Pay Stubs
    • Driver License (or other photo ID)
    • Proof of citizenship/residence (Green Card)
    Credit Score Range 300 - 700
    Funding Time Range (in days) 1 - 7
    Approval Speed (Hours) 24
    Credit Bureau Reporting
    • Experian
    • TransUnion
    Payment Options
    • Automatic Payments
    • Storefront
    Loan Amount $300 - $7K
    APR 30% - 39%
    Loan Term 7 - 42 months

    Oportun Personal Loans Community Reviews


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