Oportun: personal loan terms and fees
Small installment loans with lender, state and vehicle-collateral differences.
Product details and conditions
Who lends?
Oportun originates loans in New Mexico and Wisconsin. In other listed operating states, Pathward or Column originates loans arranged through Oportun.
Personal loan — official product terms ↓Unsecured amounts
Column lists $500–$6,000; Pathward lists $300–$10,000, with amounts above $6,000 unavailable to first-time borrowers. State minimums apply.
Personal loan — official product terms ↓Secured borrowing
Pathward vehicle-secured loans of $2,525–$18,500 are limited to listed states and qualifying vehicles. The collateral must satisfy ownership, value and insurance rules.
Personal loan — official product terms ↓Fees and credit review
An administrative fee of up to 10% can reduce proceeds. A prior credit history is not required, but credit reports are requested and considered. Prequalification differs from the final application. A nationwide APR range was not established from this page.
Personal loan — official product terms ↓Before you choose
- What APR, origination fee and net deposit are in my actual offer?
- What are the monthly payment and total scheduled payments for each available term?
- Is collateral required, and what happens if I cannot repay?
- When does a credit check become a hard inquiry, and are there state or loan-use restrictions?
Provider sources
- Personal loan — official product terms ↗
Checked 2026-09-24