Oportun at 1477 Fruitvale Avenue in Oakland operates as a nonprofit-focused consumer financial services organization that provides access to credit with an emphasis on responsible lending practices. The entity's presence in Oakland aligns with its broader mission to expand financial inclusion by offering loan products designed to serve individuals with limited access to traditional banking channels.
Historically, Oportun emerged to address credit access gaps by using alternative data points to assess creditworthiness, aiming to reduce reliance on traditional credit scores. The Oakland location functions as a point of intake for loan applications, customer service, and in-person support, integrating local operations with the organization's national network. Its services are structured around facilitating personal loans and related financial services, with attention to affordability and repayment alternatives within its established underwriting framework. The facility supports community access to financial products while adhering to regulatory requirements governing consumer lending.
Better than 92% of providers in Oakland
In addition to the primary service, Oportun also offers:
Links and information about Oportun:
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Oportun is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
Oportun is listed as a financial service provider in Oakland, 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 Oakland 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 92% of providers in Oakland.
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.