If you’re looking for an easy and affordable way to finance your vehicle, you may find the best loans from Oportun. With flexible term lengths from 12 to 48 months and loan amounts up to $10,000, Oportun customers can apply online and receive funds on the same day.
No Credit Score Requirement
Oportun does not require you to provide your credit history for approval, which is why we’ve chosen it as the overall best auto lender for people with bad credit. When you formally apply for a personal loan, Oportun will collect the following information:
- Government-issued ID
- Proof of address, such as gas and electricity bills
- Proof of income, such as pay stubs or W-2s
- Employer’s contact information
- List of your recurring monthly debt payments
Strong Third-Party Ratings
With over 6,000 customer reviews and a score of 4.8 out of five stars on Trustpilot, Oportun is well-regarded among customers around the world.1 Many five-star reviews note quality, consistent communication from customer service representatives and a speedy financial process.
Oportun also holds BBB accreditation since 2016 and maintains an A+ rating as of January 2023. Oportun’s 2.35 rating out of five stars may seem concerning, but most complaints surround payment system errors and late fees, to which Oportun representatives meet with responsiveness.2
Oportun acquired the Digit mobile app in December 2021, enabling its customers to use the digital banking platform to save, invest and manage their loans quickly. The app is rated highly among users and has, as of January 2023, 4.7 out of five stars on the App Store and 4.5 out of five stars on the Google Play store.
The Digit app offers a free 30-day trial and charges $5 a month after that. However, if you buy a personal loan from Oportun, you’ll get a free one-year subscription. If you haven’t yet borrowed from Oportun, you’ll get six months free by simply visiting its website.
Digit links with your bank account to help customers:
- Set up specific savings goals
- Assist with budgeting and investing
- Reduce overdraft fees
- Withdraw money
- Save an average of $3,000 per year
The mobile app’s name will soon change from Digit to its acquirer’s name, Oportun.3