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Oportun Personal Loans Review


Find the Best Personal Loans for You

Lender
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APR
Loan Amount
Min. Credit Score
Lender
Learn More
APR
Loan Amount
Min. Credit Score
Lender
Learn More
APR
Loan Amount
Min. Credit Score

You can use a personal loan from Oportun for many purposes, such as:

  • Home improvements.
  • Car repairs.
  • Rental deposits.
  • Medical bills.
  • Vacations.
  • Unexpected expenses.
  • Debt consolidation.

The lender does not publicly list any restricted uses for loan funds.

You can get prequalified for a personal loan from Oportun by providing some personal and financial information. This won’t affect your credit score. To complete the application, you’ll need to provide documents to verify employment and income, proof of address and more. Oportun tries to evaluate applications within one business day, and you’ll need to select your loan terms and sign loan documents to complete the process. Borrowers usually get their funds the day they are approved.

Oportun offers unsecured personal loans of $300 to $12,000, and borrowers may also be able to get secured personal loans of between $2,525 and $20,000 when you use your car title in eligible states. To get a secured loan from Oportun, you’ll need to have the car title to use as collateral.

The annual percentage rate on a personal loan from Oportun can be up to 35.99%. Oportun does not charge fees for applications or loan prepayment. Depending on where you live, either an origination fee or a tax stamp fee will be included in your APR. There are also fees for returned checks and late payments. After your application is approved, you can get your loan funds as a check or direct deposit.

Borrowers can find out if they’re prequalified for a loan without a hard credit check on the Oportun website. It also may be possible to add a co-signer to your personal loan.

Customers with no credit history or limited credit history can get personal loans from Oportun.

You can reach Oportun at 866-488-6090 from 8 a.m. to 8 p.m. Pacific Time Monday through Friday and from 9 a.m. to 7 p.m. PT Saturday and Sunday. There is also an online chat feature, and customers can text 650-425-3419 for help, as well.

Borrowers can prequalify and apply for Oportun personal loans online. You can also make loan payments online.

  • People with no credit history.
  • People who live in a state where the lender operates.
  • People who want to apply or prequalify for a loan online.



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