Original research
Oportun personal loans: what to check before you borrow
What to check
Oportun: a fee can be taken from the loan before the cash reaches you. Check the dollars you receive, not just the loan amount. The legal lender listed in this record is varies. Confirm the name and terms on your own offer. These facts describe the dated sample, not a promised rate or approval.
This 17-program sample is not the whole market and cannot predict your offer. CC BY 4.0 covers Rung-owned work, with third-party material excluded. This working report is public. Publisher review and third-party source clearance remain pending; no completed reviewer approval is claimed.
- Published fee: up to 10% (minimum not confirmed). Treatment: deducted.
- Legal lender: Oportun, Inc. originates in New Mexico and Wisconsin. In 39 other states listed on the checked product page, loans are originated by one or both of Pathward, N.A. and Column N.A.
- State access: named jurisdictions with creditor and amount variation.
- Still unclear from public sources: advertised apr min
These terms may not match your offer
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| What to check | Published information |
|---|---|
| Product | Oportun unsecured personal loan |
| Provider role | mixed |
| APR | We could not confirm this |
| Origination fee | up to 10% (minimum not confirmed) |
| How the fee is charged | deducted |
| Loan amount | $300 to $10,000 |
| Loan length | 12 months to 54 months |
| State or access rule | Oportun Inc. in New Mexico and Wisconsin; Pathward, N.A. and/or Column N.A. in 39 other named operating states on the checked page |
A deducted fee can make the loan larger than the cash you get
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| Cash you need | Fee basis | Fee rate | Loan amount | Fee removed | Fits published range? |
|---|---|---|---|---|---|
| $5,000 | range maximum | 10% | $5,555.56 | $555.56 | Yes |
| $10,000 | range maximum | 10% | $11,111.11 | $1,111.11 | No — above ceiling |
| $20,000 | range maximum | 10% | $22,222.22 | $2,222.22 | No — above ceiling |
The legal lender may differ from the brand
Brand or platform: Oportun, Inc.
Legal lender: varies
Servicer: Oportun, Inc.
Oportun, Inc. originates in New Mexico and Wisconsin. In 39 other states listed on the checked product page, loans are originated by one or both of Pathward, N.A. and Column N.A.
Public borrower data describes a group, not you
Where the evidence centers: nonprime center. Evidence type: provider stated market. Confidence: medium.
Oportun says many members have limited or no credit history and uses alternative data in underwriting.
People covered: Oportun members described in the 2024 annual report. Period end: 2024-12-31.
Most funded-loan records cover a limited group or period
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| People or loans covered | Comparison class | Scope | Period end | APR | Why it stops |
|---|---|---|---|---|---|
| active portfolio | B | All active unsecured personal loans in Oportun's portfolio at June 30, 2026, measured at origination | 2026-06-30 | 35.40% | This is an active portfolio stock across vintages, not a Q2 origination cohort. The source does not publish a national shelf APR range on the reviewed consumer page. |
| all reported originations | B | Unsecured personal loans originated during Q2 2026 | 2026-06-30 | Not reported | The filing reports an average loan size but not the loan count or weighted-average APR for the Q2 origination cohort in the same disclosure. |
Your state or membership can change the answer
Unsecured personal loans operate in 41 named states through Oportun Inc., Pathward, N.A., and/or Column N.A.
Public map status: named jurisdictions with creditor and amount variation. Named as included: AL, AK, AR, AZ, CA, DE, FL, GA, HI, ID, IL, IN, KS, KY, LA, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WI, WY. Named as excluded: CO, CT, DC, IA, MA, MD, ME, NY, WA, WV.
- NM, WI: Unsecured personal loans are originated by Oportun Inc.
- AL, AK, AR, AZ, CA, DE, FL, GA, HI, ID, IL, IN, KS, KY, LA, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WY: Loans are originated by one or both of Pathward, N.A. and Column N.A.; the specific creditor is not confirmed before the offer.
- HI: Column and Pathward amounts financed below $1,600 are unavailable.
- GA: Pathward amounts financed below $3,100 are unavailable.
Confirm every answer the public pages leave open
- advertised apr min
- advertised apr max
- origination fee min
- exact term options
- direct pay available
- which partner bank applies in each partner state
- complete fee schedule by state
- Oportun, Inc.: Personal loans that put you in control. official product page; checked 2026-09-05. Personal loans information; lender information and product terms near page footer
- Oportun Financial Corporation: Quarterly report for the period ended June 30, 2026. sec filing; checked 2026-09-05. Credit Products and bank partnership sections; SEC HTML lines 968-974 and 1127-1133
- Oportun Financial Corporation: 2024 Annual Report. sec filing; checked 2026-09-05. Member and underwriting descriptions; many members have limited or no credit history and the model uses alternative data
Dataset personal-loan-funded-cost@2026-09-05.collection.3. Snapshot September 5, 2026. No independent reviewer is credited.
Check the next part of your offer
Use your current agreement as the final record.
Confirm your APR, fee, cash received, payment, total repayment, loan length, legal lender, and state rules.