Oportun is a mission-driven financial services organization focused on providing responsible lending and related financial products through a digital-first platform. Established in 2005 under the name Progreso Financiero, the organization expanded to serve underserved communities by leveraging data analytics and technology to extend access to credit and banking-like services. Its core operations center on offering personal loans, savings tools, budgeting capabilities, and related fintech products designed to support financial inclusion and responsible borrowing.
The organization operates with a scalable, technology-enabled model that prioritizes affordability and transparency in its lending practices. By combining consumer credit products with financial management tools, Oportun aims to help members manage money more effectively and pursue improved financial outcomes over time. The entity maintains a focus on expanding access to financial services while adhering to regulatory standards and responsible-lending principles.
Better than 72% of providers in Modesto
In addition to the primary service, Oportun also offers:
Links and information about Oportun:
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Find answers to common questions
Oportun is listed as a financial service provider in Modesto, CA and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask Oportun to explain the terms in writing before you proceed.
To improve your chances of getting better terms from Oportun, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare Oportun with other providers in Modesto and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
Oportun has a rating of 4.9, which is better than 72% of providers in Modesto.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents Oportun requests. It is always best to call ahead using the phone number on this page so Oportun can confirm exactly which documents you need for your specific situation.
In addition to its primary service, Oportun also offers: Loan agency, Financial institution.