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PAYMENTS | OPORTUN
By phone. Call 866-488-6090. Text 650-425-3419 from the phone number we have on file to make a payment (standard rates apply). If you text us from a different phone, our automated system won’t recognize your account. In person. Pay cash at an Oportun location. Pay cash at grocery stores and pharmacies that accept payments from our partners. OPORTUNTRANSLATE THIS PAGE The lender for the Oportun Visa Credit Card is WebBank, Member FDIC, which is who reports your account behavior to nationwide credit bureaus. Credit cards , Establishing credit , Payments , Personalloans. All
CREDIT CARDS
Meet the Oportun Card. Credit that’s accessible and easy to manage. Credit lines up to $1,000. Accepted worldwide. No credit history needed to apply. 24/7 online account management. Start establishing credit history. Friendly support in English and Spanish. Zero fraudliability.
REVIEWS - OPORTUN
An average of 4.9 stars from 52,000+ reviews on Google. As of May 7, 2021. Best consumer lending product by Fintech Breakthrough. A+ rating by the Better Business Bureau (BBB) You may be able to qualify for an Oportun personal loan without credit history. PERSONAL LOANS WITH NO CREDIT SCORE NEEDED: AFFORDABLE If you need a loan and have limited credit history—or even no credit at all—we’re here to help. We’ll let you know if you qualify for a personal or a secured personal loan in minutes. Affordable alternative to payday & title loans. Loans from $300–$10,000. APRscapped at 36%.
OPORTUN: LOAN COMPANY WITH AFFORDABLE LOAN & CREDIT CARDWHAT WE OFFERWHY OPORTUNQUESTIONSABOUTGET STARTEDPERSONAL LOANS Unlike other alternative lenders, we report your account behavior to nationwide credit bureaus. Each month, we let them know whether you’ve made your account payments on time and in full. You can establish positive credit when you make your requested payments on or before your due date, pay more than what is requested, or pay youraccount in
PAYMENTS | OPORTUN
By phone. Call 866-488-6090. Text 650-425-3419 from the phone number we have on file to make a payment (standard rates apply). If you text us from a different phone, our automated system won’t recognize your account. In person. Pay cash at an Oportun location. Pay cash at grocery stores and pharmacies that accept payments from our partners. OPORTUNTRANSLATE THIS PAGE The lender for the Oportun Visa Credit Card is WebBank, Member FDIC, which is who reports your account behavior to nationwide credit bureaus. Credit cards , Establishing credit , Payments , Personalloans. All
CREDIT CARDS
Meet the Oportun Card. Credit that’s accessible and easy to manage. Credit lines up to $1,000. Accepted worldwide. No credit history needed to apply. 24/7 online account management. Start establishing credit history. Friendly support in English and Spanish. Zero fraudliability.
REVIEWS - OPORTUN
An average of 4.9 stars from 52,000+ reviews on Google. As of May 7, 2021. Best consumer lending product by Fintech Breakthrough. A+ rating by the Better Business Bureau (BBB) You may be able to qualify for an Oportun personal loan without credit history. PERSONAL LOANS WITH NO CREDIT SCORE NEEDED: AFFORDABLE If you need a loan and have limited credit history—or even no credit at all—we’re here to help. We’ll let you know if you qualify for a personal or a secured personal loan in minutes. Affordable alternative to payday & title loans. Loans from $300–$10,000. APRscapped at 36%.
OUR LEADERSHIP TEAM
Sarah Livnat. VP, Culture & Engagement. Sarah has been with Oportun since 2008 and currently leads Oportun’s culture and engagement initiatives, and has also led our communications, community engagement, and impact efforts. Prior to joining the Oportun team, she managed trust and safety products and programs at PayPal. APPLY FOR A LOAN AT OPORTUN For the best web experience, we recommend you change your browser or upgrade it to the latest version. Supported Operating Systems and Browsers: OS X 10.9 or later, Windows 7 or later, Safari 9 or later (macOS), Internet Explorer* 11 or later (Windows) and Google Chrome 50 or later (macOS or Windows)CAREERS | OPORTUN
Ann Stonehouse, Sr. Director, Direct Marketing. Hear from our team. We are always thinking creatively at Oportun and building solutions that drive our mission forward. The humility, curiosity, and energy of my colleagues motivates me to be my best self every day. Aileen Chou, Director, Legal Counsel.CONTACT- REFERRAL
An Oportun team member will call your friend. Your friend's language preference* English Español. When does your friend need funds immediately in the future. You authorize Oportun to provide your name and that you are a current or former Oportun customer when we contact your friend to offer our services.INVESTOR RELATIONS
The Investor Relations website contains information about Oportun Financial Corp.'s business for stockholders, potential investors, andfinancial analysts.
THE BEST BUDGET APPS FOR BEGINNERS Thinking about using a budget app for the first time? We recently wrote about the pros of using mobile apps to keep track of your finances. Here are four recommendations for free options that are awesome for beginners. They are easy to set up and easy to use, andnone sync to a
LOANS IN ROSENBERG, TX: AFFORDABLE PERSONAL LOANS 5101 Avenue H, Rosenberg, TX 77471. Apply for a loan or make a payment quickly by visiting us in person. 832-610-3280. Mon–Fri: 11:00 am-6:30 pm. Sat: 10:00 am-5:00 pm. REDWOOD LOANS: PERSONAL LOANS IN REDWOOD CITY, CA 1744 El Camino Real, Redwood City, CA 94063. Apply for a loan or make a payment quickly by visiting us in person. 650-581-9304 LOANS IN MCALLEN, TX: QUICK PERSONAL LOANS 2901 North 23rd Street, McAllen, TX 78501. Apply for a loan or make a payment quickly by visiting us in person. 956-622-5574 LOANS 7013 BERGENLINE AVENUE, NORTH BERGEN, NJ, 07047 7013 Bergenline Avenue, North Bergen, NJ 07047. Apply for a loan or make a payment quickly by visiting us in person. 201-425-4669Español
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BUILD A BETTER TOMORROW Personal loans & credit cards for your financial journeyGET STARTED
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PERSONAL LOANS
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WHY OPORTUN
AN AFFORDABLE APPROACH TO BORROWING Payment sizes are small to fit your budget and payoff time is long in case you need it, plus we never charge pre-payment penalties BUILDING YOUR CREDIT HISTORY HELPS PUT YOU IN CONTROL We’ve helped more than 870,000 people without a FICO score begin establishing credit history for the very first time FAST, BUDGET-FRIENDLY HELP WHEN YOU NEED IT We make it easy for you to succeed. Our processes are quick and convenient, and we don’t even require a credit score to apply.Learn more
MORE THAN 50,000 5-STAR REVIEWS ON GOOGLEDIANA SILVA
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Jose o was the friendliest and most helpful representative. He was very informative and made the long process fly by smoothly!!! AMAZING customer service 10/10!Read moreFERMIN LOPEZ
15 Hours ago
★★★★★
Margarita was very helpful .. the transaction was quick thanks youReadmore
REYMUNDO OJEDA
15 Hours ago
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Oportun es un banco de prestamos que siempre esta ayudando cuando más lo necesita uno siempre recomendado tengo 10 años con ellos y siempre la mejor a tensión al cliente pregunte por brenda ella le ayudara siempre con buena atenciónRead moreRead more
VOICES FROM OUR COMMUNITY The loan was easy. The people were friendly. I do feel like a part ofthe community.
Jerry
VOICES FROM OUR COMMUNITY I think having good credit in the U.S. is indispensable. Thanks to Oportun, they gave me the opportunity to start building my credit andreach my goals.
Eduardo
VOICES FROM OUR COMMUNITY I was tired of all the nos. Once I found out about Oportun, all that went away. There’s not a no. There’s a yes. Approved. You’requalified.
Angelita
VOICES FROM OUR COMMUNITY Every time you go into Oportun, they make you feel like family. They will also help you with your credit score.Enrique
VOICES FROM OUR COMMUNITY The help that Oportun has given me will always stay in my heart. They always give me a chance. They never fail me.Amelita
WE'RE COMMITTED TO OUR COMMUNITY Every day, we go to work to help people like you build better lives. That’s why we donate one percent of our time and net profits to charitable programs and organizations whose work aligns with our ownmission.
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RESOURCES
February 5, 2021 How to get a personal loan with no credit historyAsk Oportun
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CAN I BE PREQUALIFIED WITHOUT IMPACTING MY CREDIT SCORE? Yes. When we prequalify you, we run a soft credit pull, which does not impact your FICO® credit score. When a final decision is made on your application, we run a hard credit pull, which can impact your credit score. Learn more about hard and soft credit pulls. Applications , Credit cards, Personal loans
HOW FAST IS THE APPLICATION PROCESS FOR A PERSONAL LOAN? We know your time is valuable and we’re committed to providing you with fast service. Prequalification takes only minutes and will not impact your FICO® credit score. The full application process typically takes under 10 minutes if you supply the correct documentation. Most approved applicants receive their funds the sameday they apply.
Applications , Personal loans HOW DOES OPORTUN HELP ME BUILD A CREDIT HISTORY? Unlike other alternative lenders, we report your account behavior to nationwide credit bureaus. Each month, we let them know whether you’ve made your account payments on time and in full. You can establish positive credit when you make your requested payments on or before your due date, pay more than what is requested, or pay your account in full.  It generally takes at least six months to establish an initial credit score. If you miss payments or make late or incomplete payments, we also report that to the credit bureaus. Such behavior can negatively impactyour credit score.
The lender for the Oportun Visa Credit Card is WebBank, Member FDIC, which is who reports your account behavior to nationwide creditbureaus.
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* New Mexico residents: TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER, YOU MAY WRITE OR CALL: Reese Willard, Sr. Manager, Customer Experience, Oportun, PO Box 4085, Menlo Park, CA 94026. 888-408-3020 complaints@oportun.com. This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, PO Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the Division by telephone at 505-476-4885 or visit the website.
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Oportun® Visa® Credit Card is issued by WebBank, Member FDIC. Actual account terms are based on application information and creditworthiness, and may vary. *General Product Information: Lending products are subject to credit approval. Terms may vary by applicant and state and are subject to change. While a prior credit history is not required to qualify, credit reports will be requested and considered for all applicants. Account payment history is reported to select nationwide credit bureaus. Prequalification will not impact your FICO score with the nationwide credit reporting agencies, until you submit for final approval. Click the products below for specific details. Oportun personal loans The maximum loan amount varies by state, and loans above $6,000 are available to qualified returning customers only. A secured personal loan is only offered through our personal loan applications to qualifying customers in California, subject to certain terms andconditions.
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Oportun® Visa® Credit Card is issued by WebBank, Member FDIC. Actual account terms are based on application information and creditworthiness, and may vary. Credit card loan amounts range from $300 to $1,000. APRs are variable and range from 24.90% to 29.90% as of December 6, 2019. See the Oportun Cardhholder Agreement for details, including applicable fees. Google rating is currently based on all Oportun store locations. Customer satisfaction based on Q1 2021 customer survey. Oportun: The True Cost of a Loan:
Based on research commissioned by Oportun and conducted by the Financial Health Network (FHN), the total savings number equals the difference between the average cost of other widely available alternative lending products that customers may have used and the average cost of an Oportun loan of the same amount, multiplied by Oportun first-time borrowers. FHN analyzed the rates, fees, and terms for payday, pawn, auto-title, installment, and rent-to-own products for customers in Arizona, California, Florida, Illinois, Nevada, New Mexico, Texas, and Utah and calculated the total cost of those products for common loan amounts. FHN considered the loan repayment structure and time frame for each product, borrower income, the potential for rollovers and refinancings, and legal parameters that prevent or constrain borrowing. Oportun updates the model quarterly to calculate the total amount that Oportun first-time borrowers have saved since 2006 in interest and fees compared to the alternative products. The actual savings for each customer will vary based on specific loan terms and alternative products available in your area.Chat
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