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Oportun Overall rating: ★★★★☆ 4 based on 7 reviews.
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Online Payday Personal Consumer Loans up to $5,000

Easy Application, Fast Processing, Quick Approval, Any Credit Score

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Oportun is a lender that offers loans for borrowers with limited or no credit history. Timely payments help you establish credit. Common uses listed on the lender’s website include auto repairs, security deposits and emergencies.

Company name Oportun
Founded 2005
Address PO Box 4085 Menlo Park, CA 94026
Phone number 866-488-6090


  • Personal loans from $300 to $10,000
  • Auto loans from $5,000 to $35,000
  • Financial education and counseling available
  • Option to add a co-signer
  • No credit history requirement
  • Online, phone and in-person application options
  • Fixed, affordable payments
  • Personal loans for just about any use
  • A+ rating with the BBB
  • Receive funds fast
  • Buy from a dealership or private seller
  • Refinance your current auto loan
  • Personalize your loan terms


  • Available in a limited number of states
  • Late payment fee
  • Starting rates are high compared to other lenders
  • Repayment terms can only be up to 46 months
  • Charges a loan origination fee of $0 to $300

Bottom Line

Oportun personal loans are best for you if you have no credit history, you need short-term cash, and you live in a state where the lender operates.

Types of loans

  1. Personal loans – money you borrow for any kind of personal use such as investing in home improvements, paying unexpected medical bills, paying off credit card debt, taking a special vacation, etc.
  2. Auto loans – money a consumer borrows in order to purchase a car.

Loan requirements

To get approved for a personal loan with Oportun, you must comply with the following requirements:

  • US citizen or permanent resident;
  • Age 18 years or older;
  • Live in one of the states where Oportun operates
  • Have a valid bank account;
  • Have a reliable income with steady employment;
  • Have a working telephone number and email address.

If you need an auto loan, be prepared to share the following documents:

  • A state-issued driver’s license;
  • Proof of income, such as current pay stubs or current bank statements;
  • Verification of address;
  • Up to four personal references;
  • Proof of auto insurance.

Category: Online Loans

Tags: Arizona, California, Florida, Idaho, Illinois, Missouri, Nevada, New Jersey, New Mexico, Texas, Utah, Wisconsin

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Oportun Reviews

I was served by very good people, the girls were very friendly!
- Christy Norton

I referred my brother, they approved his loan and later they told me about a code to receive $25 for referring a friend. In the end I did not receive anything.
- Gary Washington

Very good service, very friendly managers, I recommend it to my friends!
- Frank Murphy

The experience with Oportun was the best. Very good service!!
- Bryan Martin

I highly recommend this lender! The managers are so kind and professional.
- Bertha Esposito

The experience was excellent, I would definitely recommend Oportun friends and family.
- William Lehmann

They withdrew 2 payments from my account at once. I called them for 2 weeks to get one payment refunded. They initally told it would be refunded within 5 business days. It's been 8 days and I’m still waiting!!! The worst company to do business. So unreliable
- Frank Savoy

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