Oportun

Oportun is a direct lender specializing in accessible personal loans designed to help individuals manage everyday expenses and unexpected needs. They offer loans ranging from $300 to $10,000, with a strong focus on serving those who may have limited or no credit history, emphasizing affordability and transparency with APRs no higher than 35.99%.

The company distinguishes itself by providing a fast and convenient application process, allowing applicants to get prequalified in minutes without impacting their credit score. Oportun's personal loans can be utilized for a variety of purposes, including home improvements, car repairs, medical expenses, and debt consolidation, demonstrating their commitment to addressing diverse financial needs.

In addition to unsecured personal loans, Oportun also offers larger secured loans, from $2,525 to $18,500, using car titles as collateral in select states. Their service model combines a digital application experience with the option of quick direct deposit of funds, supported by customer testimonials highlighting polite and helpful staff at their physical locations, such as those in Los Angeles, California.