Product from Oportun®

Personal Loan from Oportun® - see full info about rates, terms, credit score.

Updated November 29, 2022
3.99 out of 5
Learn more

Check your personal loan rates

scorer
APR Range
20.05 - 35.99%
scorer
Amount
up to $10,000
scorer
Term
up to 48 months
scorer
Minimum credit score:
Poor (300-579)
scorer
No early payoff penalty

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Options

  • Loan purpose:
    Personal Loan
  • Lender:
  • Credit Level:
    Poor (300-579)
  • When funds are available:
    1 business day.

Fees

  • Origination fee
    1 - 10%
  • Application fee
    No application fee.
  • Early payment fee
    No early payment fee.
  • Extra payment fee
    No extra payment fee.
  • Late fee
    $10
  • Check processing fees
    No check processing fee.
  • Returned check fees
    No returned check fee.
  • Annual fees
    No annual fee.

Pros & Cons

Pros:
  • No credit or income requirements
  • Joint, cosign, & secured loan options
  • Establish credit history
  • Small loan amounts
  • Pre-qualification available
Cons:
  • Not available everywhere
  • High interest
  • Inflexible payment terms
  • Non-transparent terms
  • Reports to only two credit bureaus

Rates

Rates
20.05 - 35.99%
Term
12 - 48 months
Loan Amount
$300 - $10,000
Special conditions in the states listed below:
  • Florida have a minimum loan amount of $300
List of states where Oportun® loan is not available:
  • Colorado
  • Connecticut
  • Georgia
  • Hawaii
  • Iowa
  • Maine
  • Maryland
  • Massachusetts
  • Minnesota
  • Nebraska
  • New York
  • Ohio
  • Oklahoma
  • Pennsylvania
  • Rhode Island
  • Washington
  • West Virginia
  • Wyoming
For example, if you apply for a 2-year $5,000 personal loan with an interest rate of 15% and an origination fee of 5% you would receive $4,750 and make 24 payments of $242.43. The total amount paid would be $5,818.
View all Rates & Fees

Requirements

  • Requirements Description
    • A valid photo ID, such as a driver’s license, passport, consular ID card, or a non-U.S. ID card
    • Proof of income, such as current paystubs or current bank statements
    • Verification of address, such as a piece of mail with your name and address (cannot be a PO box)
    • Up to four personal references, which can include friends, family, or employers

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Description

  • Oportun® provides loans with rates between 20.05% - 35.99% APR.

    Oportun® personal loans typically start at $300 and go up to $6,000 for new customers, $7,500 for returning customers, and $10,000 for secured loans. Typical loan terms are between 12 and 48 months.

    Oportun® loans do not have an application or prepayment fee, but they do charge an origination fee that depends on your state and is calculated as part of your APR.

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