Our loans feature fixed, affordable payments over 7 to 46 months. No changes to your payment amounts and no penalty for pre-payment. Many of our customers had no credit history when their first Oportun loan was approved. We report customer accounts to major credit bureaus. Customers who repay their loans on time might be able to borrow more over time. Our loans can help with anything from security deposits to auto repairs to emergencies. We provide inclusive, affordable financial services that empower our customers to build a better future. Borrowing money can be tough, especially if you feel like you haven’t been given a fair opportunity. We’re here to help. We leverage technology and focus on customer success to bring affordable loans to people that help establish credit.