Oportun personal loans: APR, fees and requirements
What Oportun publishes about its personal loans (up to 36% APR), checked on the lender’s own pages, and how its starting rate compares with the other lenders on our list.
| Lender type | Online lender |
|---|---|
| APR range | Up to 36.00% |
| Loan amounts | $300 to $10,000 |
| Repayment terms | 12 to 54 months |
| Origination fee | Varies; check the lender's rates and terms |
| Minimum credit score | Not published |
| Funding time | Approved applicants can receive funds quickly with direct deposit (no specific time stated) |
| Availability | Operates in 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 (originated by Pathward, N.A. and/or Column N.A.) and NM, WI (originated by Oportun Inc.). Amounts above $6,000 not available for first-time borrowers (Pathward); amounts below $3,100 not available in GA; below $1,600 not available in HI. Secured (car title) loans $2,525-$18,500 only in AZ, CA, FL, IL, NV, NJ, TX, UT. |
How the lender states its rates: “10-K (FY2025): 'We charge fixed interest rates on our loans ... with a cap of 36% annual percentage rate ("APR") in all cases.' Website example: $3,333 principal, 30 months, 10% administrative fee ($333), APR 35.95%.”
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- Up to 195.00%
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Checked on October 16, 2026 on the lender's website. Rates and terms change: confirm before you apply. oportun.com/personal-loans · investor.oportun.com/sec-filings/all-sec-filings/conte…