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:
Estimated monthly payment
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Estimated total interest over the term
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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 over 12 to 48 months |
| Typical cost | Effective APR often in the triple digits | Fixed APR, 20.05% 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 |
Explore other optionsThis is an illustrative example, not a quote.
Your real rate, term, and monthly payment depend on your income and the amount you request.
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), founded in 2005.
Since 2006, it has provided more than $18.7 billion in loans, helping 1.3 million people establish a credit history.
Reviews are mixed depending on where you look. It holds an A+ accreditation rating with the Better Business Bureau, but individual customer reviews there skew low, while Trustpilot rates it "excellent" based on more than 20,000 reviews.
Worth knowing both sides before you decide.
| Loan amount | $300 to $6,000 for new customers ($7,500 for returning customers) |
| APR | 20.05% to 35.99% |
| Term | 12 to 48 months |
| Fees | No application or prepayment fee. The cost of originating the loan is built into your APR, not deducted separately |
| Credit score guideline | No minimum score. Income and other factors are used instead |
| Funding time | Often within 24 hours once everything is verified, sometimes faster |
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.
- A late payment of 30 days or more is also reported, so it's worth setting up autopay if it helps you stay consistent.
Not sure this is the right fit for you?
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