Is Oportun a legit loan?

Yes. Oportun offers legitimate loans both online and in person at its local branches. Founded in 2005, the company has provided more than $16.6 billion in loans, often to those in underserved communities.

What credit score is needed for Oportun?

Oportun has no minimum credit score requirement. To qualify, you just need to provide your government-issued ID, a list of your recurring monthly debts and proof of income and address.

How long does Oportun take?

It typically takes one to four business days to receive your loan from Oportun once your application has been approved.

How much of an Oportun loan can you get?

It depends on the type of loan you want. For unsecured loans, you can borrow between $300 and $10,000. If you secure your loan using your car title, you can borrow up to $18,500.

Will Oportun report my payments to a credit bureau?

Yes, Oportun reports your payments to major credit bureaus, which can help you build or improve your credit history over time. But keep in mind that late or missed payments could negatively affect your score.