Oportun Personal Loans Guide

Oportun Personal Loans are designed with your financial growth in mind, offering accessible terms and flexible payments that empower you to achieve your goals without unnecessary stress!

Best Loan Option For You

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Micro-Loan for All Credit Profiles

Loans from $300–$10,000—available even with no credit score.

Prequalify Without Credit Hit

Soft credit check reveals terms without affecting your credit score.

Fixed, Affordable Payments

Enjoy steady monthly payments with full APR disclosure upfront.

Secured Option via Auto Title

In select states, offer your vehicle title for up to $18,500 at lower APRs.

• Small Borrowers Welcome—Even Without Credit+

  Need just a few hundred dollars? Oportun’s minimum loan is $300, making it a viable alternative to high-interest payday loans. They especially welcome applicants without credit scores, making borrowing accessible for those new to credit or rebuilding it. 

• Compare Your Offers Invisibly+

  Oportun lets you prequalify in minutes via soft-check—no hard inquiry, no score drop. You’ll see potential APR and term options before committing. That lets you shop consciously and compare without risk. 

• Budget-Friendly Fixed Payments+

  Once approved, you’ll receive a fixed payment schedule, typically repaid over 1–5 years, allowing for predictable budgeting. APRs max out at 35.99%, below federal limits, and there are no prepayment penalties—ideal for borrowers who want clarity and flexibility.

• Build Credit While You Save+

  Oportun reports your payment history to Equifax and other bureaus—helpful for improving credit through responsible repayment. Additionally, borrowers get access to the “Set & Save” app, which helps automate savings while managing the loan—a bonus for long-term financial health. 

Top Personal Loan Options in the U.S.

1. Oportun Personal Loans: Borrow $300–$10,000, repay over 12–60 months, with APRs from 18.99% to 35.99%—no credit history needed.
2. Upstart: Loans up to $50,000; APRs from roughly 6.7%–35.99%, good for those with non-traditional credit files.
3. SoFi: Offers up to $100,000 at 9%–29.99% APR, ideal for strong-credit borrowers.
4. LightStream: Provides up to $100,000 at 6.94%–25.79% APR for prime borrowers.
5. Credible Marketplace: Compares multiple lenders in one go with a soft credit check.

How Personal Loans Affect Your Finances & Credit in the U.S.

Getting prequalified with Oportun involves a soft credit pull, which doesn’t impact your credit score—this allows you to preview potential loan terms without any risk. However, if you move forward and accept the loan offer, a hard credit inquiry is triggered, which may cause a temporary dip in your credit score. Once the loan is active, your monthly payments are reported to the major credit bureaus. 

Consistently making on-time payments can help build or improve your credit history, while missed payments may damage your score. Additionally, every loan you take affects your debt-to-income (DTI) ratio, an important factor lenders evaluate when you apply for future credit. Oportun’s fixed APR structure includes fees, making it easier to budget and compare with other loan offers. It’s wise to borrow strategically—opting for smaller amounts and shorter terms can help minimize interest costs and allow you to repay the loan faster, ultimately strengthening your financial health.