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Oportun is an online and storefront lender that markets its loans to people with no credit history. The company says that its loans can be used for expenses like auto repairs and emergencies. And since Oportun reports payments to two of the three major consumer credit bureaus, its loans may help you build your credit history.
Oportun also offers auto loans as well as financial coaching to help you meet your financial goals.
You may get approved with no credit historyWhile applying for a personal loan with Oportun means the company will perform a hard credit inquiry — which can negatively affect your credit scores — you may still be approved without any credit history. This is an important benefit since it can be more difficult to get a loan if lenders aren’t able to see that you’ve borrowed money before and paid it back on time.