Oportun Personal Loans review

Do you want to get a personal loan but don't want to deal with a traditional bank? In this Oportun Personal Loans review, we'll tell you everything you need to know about this unique and affordable lending option.


by Aline Barbosa

Published on 12/31/2022

Oportun Personal Loans: Smart solutions to help you achieve your goals!

Oportun Personal Loans
Need a personal loan? Check out our Oportun Personal Loans review. Source: The Post New.

Are you looking for a quick and easy way to get the money you need without taking on a traditional bank loan? If so, take a look at our Oportun Personal Loans review to see what this lending company has to offer.

As one of the leading lenders in the financial services industry, Oportun provides an attractive option for those trying to reduce high-interest debt or just wanting extra cash for unexpected expenses.

Oportun Personal Loans

See how to apply for the Oportun Personal Loans

Do you need fast funding with competitive rates and flexible repayment terms? Then check out how to easily apply for the Oportun Personal Loans!

  • APR: A variable APR that starts at 20.05% and goes up to 35.99%.
  • Loan Purpose: Any purpose. From rent money to home renovations.
  • Loan Amount: From $300 to $12,000.
  • Credit Needed: All credit levels are welcome to apply for an Oportun Loan.
  • Terms: 12 months to 5 years.
  • Origination fee: Oportun may charge an origination fee up to 7%.
  • Late Fee: Up to 5% of the unpaid installment.
  • Early Payoff Penalty: There are no early payoff fees with Oportun. 

With Oportun, people of all credit levels are welcome to apply. You can get a loan up to $12,000 with competitive rates and a variable APR up to 35.99%. The company provides affordable payments that will fit your budget, and you can repay your loan up to 5 years. 

You can also have access to online tools to help you with money management. Plus, added benefits such as fast funding and the absence of security deposits to secure your loan. Keep reading our Oportun Personal Loans review to learn what else this loan has to offer. 

Oportun Personal Loans: how does it work?

Oportun Personal Loans offer an easy and affordable way to get financing for whatever financial situation you are in. With Oportun, you can apply quickly online from the comfort of your home, and receive an answer almost immediately after completing a simple application.

Borrowers can get up to $12,000 directly into their bank account upon approval. Oportun’s loan process is flexible and straightforward; you can adjust the terms of your loan according to what works best for you. Plus, the company promises an APR up to 35.99% max. 

Additionally Oportun’s customer service team offers friendly guidance throughout with any questions or concerns that may arise. Oportun’s hassle-free, low cost loans are designed to help people get back on track financially. It provides a reliable and efficient way to obtain credit when it’s needed most.

People who are new to credit can also apply, as the company reviews more than credit scores. The downside is that Oportun may charge both origination and late payment fees. So you need to work out if the amount you’re borrowing is worth the costs. 

Significant benefits and disadvantages you may find

Oportun Personal Loans
So what are the benefits to this pesonal loan? Source: Adobe Stock.

Although the company can provide much-needed funds, they come with their own set of advantages and disadvantages. See them next in our Oportun Personal Loans review. 



  • Loans up to $12,000 with fast funding;
  • All credit types are welcome to request a loan at Oportun;
  • Affordable APR starting at 20.05%;
  • Online encrypted application;
  • The possibility to pre-qualify with only a soft inquiry to your score.


  • May charge an origination fee up to 7%;
  • It doesn’t offer a mobile app to manage payments more easily;
  • You may end up with a high APR;
  • The Oportun personal loan is not available in all U.S. states.

Is a good credit score required for applicants?

Oportun Personal Loans is an offering to help individuals get the financial help they need. Although a good credit score might help you get larger amounts at lower rates, all credit types can apply for a loan. 

The company looks beyond your credit score and relies on your current income situation. Oportun also takes other factors into account such as income stability, debt-to-income ratio, and repayment capacity when considering loan applicants.

Learn how to apply for the Oportun Personal Loans

After reading our Oportun Personal Loans review, you can learn how to request a loan by looking at the following link. We’ll walk through the application process and provide an easy guide for you to have access to funding in no time!

Oportun Personal Loans

See how to apply for the Oportun Personal Loans

Do you need fast funding with competitive rates and flexible repayment terms? Then check out how to easily apply for the Oportun Personal Loans!

About the author

Aline Barbosa

Aline Barbosa is an editor, writer and learning-enthusiast. Passionate about music, books and human behavior. Curious about the unknown. Believer that learning is a life-long process.

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