Affordable loans, solutions, and help made to allow you to through life’s ups that are financial downs
Can I be prequalified without impacting my credit history?
Yes. Whenever we prequalify you, we operate a soft credit pull, which will not influence your FICO ® credit score.
Whenever a ultimate decision is made in your application, we operate a tough credit pull, which could affect your credit rating. Find out more about hard and credit that is soft.
How exactly does Oportun assist me personally build a credit rating?
Unlike other alternate lenders, we report your bank account behavior to credit bureaus that is nationwide. Each we let them know whether you’ve made your account payments on time and in full month. It is possible to establish credit that is positive you create your requested payments on or before your due date, spend a lot more than what’s required, or spend your account in complete. It generally speaking takes at the very least 6 months to ascertain an credit score that is initial.
In the event that you skip repayments or make belated or incomplete repayments, we also report that towards the credit agencies.