Cover This Month’s Bills With an Oportun Loan

Enter a loan amount and a term below to see an estimated monthly payment and total interest:

Loan amount ($) Term (months)

Estimated monthly payment

Estimated total interest over the term

The real cost of covering a bill

Here's how a typical short-term option compares to a personal loan.

	Typical payday or cash advance loan	Oportun personal loan
Repayment	Due in full on your next payday, often within 2 to 4 weeks	Fixed installments (term varies by loan amount and state)
Typical cost	Effective APR often in the triple digits	Fixed APR, up to 35.99%
Credit history	Usually none required, and doesn't build your credit	No minimum score required, and payments are reported to all 3 credit bureaus

This is an illustrative example, not a quote.
Your real rate, term, and monthly payment depend on your income and the amount you request.

Explore other options

Checking your rate is a soft check, always

Getting a rate estimate uses a soft credit check. It doesn't affect your credit score, and no one else sees it on your report.

A hard credit check only happens if you choose to move forward with an actual loan offer. That may affect your score slightly, and it will show up on your credit report.

You'll always know before it happens.

Good to know about Oportun

Oportun is a publicly traded lender (Nasdaq: OPRT).

Since 2006, it has provided more than $20.8 billion in loans, helping 1.3 million people establish a credit history.

Reviews are mixed depending on where you look. It holds an A+ rating with the Better Business Bureau, while Trustpilot rates it 4.8 ("excellent") based on more than 20,000 reviews.

Worth knowing both sides before you decide.


Loan amount	$300 to $10,000 (new customers may be capped at $6,000, depending on state)
APR	Up to 35.99% (many borrowers receive 30% to 36%)
Term	Varies by loan amount and state
Fees	No prepayment fee. An administrative fee of up to 10% of principal is included in your APR and deducted from the amount you receive
Credit score guideline	No minimum score. Income and other factors are used instead
Funding time	Often within a few business days once everything is verified; direct deposit is usually fastest

No credit history? That's who this is built for. Oportun accepts limited or no credit history, and reports your payments to Equifax, Experian, and TransUnion every month.

Support is available in Spanish, which can matter as much as the rate itself if that's your preferred language.

What happens after you're approved

One fixed monthly payment for the length of your term.
On-time payments are reported to all 3 credit bureaus, which can help build your credit history over time.
Late or missed payments are also reported, so it's worth setting up autopay if it helps you stay consistent.