Product from Oportun®
Personal Loan from Oportun® - see full info about rates, terms, credit score.
Updated November 29, 2022
Learn more
Check your personal loan rates
APR Range
20.05 - 35.99%
Amount
up to $10,000
Term
up to 48 months
Minimum credit score:
Poor (300-579)
No early payoff penalty
See full info about rates in different states
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Options
- Loan purpose:Personal Loan
- Lender:
- Credit Level:Poor (300-579)
- When funds are available:1 business day.
Fees
- Origination fee1 - 10%
- Application feeNo application fee.
- Early payment feeNo early payment fee.
- Extra payment feeNo extra payment fee.
- Late fee$10
- Check processing feesNo check processing fee.
- Returned check feesNo returned check fee.
- Annual feesNo 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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