South & Central U.S. Loan Storefront Guide
Menu
Get loan options Call

Oportun

Updated 2026-08-23 · 5,423 reviewed · 600 listed · Scored from 703 Google reviews · How we rank ›

5.0(703) 85 low data composite score See reviews on Google ✓ Google-verified Publishes prices
Personal LoansMortgage & Home Loans
Oportun
Services
Personal Loans, Mortgage & Home Loans
Reviews
703

What recent reviews say

Oportun delivers fast loan approvals and staff assistance that many customers praise, but some borrowers report predatory terms: interest rates climbing to 200-300% monthly, surprise late fees, and collection calls starting at 5 am on weekends. The 5-star majority reflects quick access to cash; the 1-star complaints reveal serious cost and collection concerns worth weighing carefully.

Based on limited recent reviews, so treat this as low-confidence.

Praised for
  • fast approval and processing
  • staff helpfulness (Martha Ferrer named repeatedly)
  • quick loan funding
  • emergency access to credit
Watch-outs
  • very high interest rates (200-300% per month claimed)
  • excessive late fees and double-charging
  • aggressive collection calls at early hours
  • loan balance not decreasing despite payments
  • denial without explanation
  • predatory lending practices
fast-approvalhigh-interestpredatory-termshelpful-staffquick-fundinglong-wait-timespoor-communication
Best for: borrowers who need emergency cash fast and can afford high-interest terms
Think twice if: you cannot handle interest rates above 35% APR, face risk of late payment, or prefer transparent fixed-fee borrowing. Collection practices cited in complaints.

Strengths

  • rapid approval and funding
  • wide loan amount range
  • named staff known for helpfulness

Worth knowing

  • Staff member Martha Ferrer repeatedly praised for speed and clear explanations across multiple 5-star reviews
  • Physical locations in Dallas (75254, 75240) and Richardson supermarket; nationwide online service
  • Borrower reported paying double the principal amount on a $2,000 loan yet owing $1,500 balance
  • Early-morning collection calls reported: 5 am to 7 am on weekends
  • Late fee of $200 charged on missed payment; additional interest charged on previously-paid amounts

What reviews say by service

Personal Loans
Fast approval and funding praised, but borrowers warn of 35%+ APR, high late fees, and difficulty paying down principal
Same-Day / Fast Approval
Multiple reviews note rapid processing; one complaint alleges denial without explanation despite application

How it compares

  • Rated 5 against a 4.56 average across the 218 personal loans businesses listed here.
  • Has more Google reviews than 83% of the businesses in this directory.

How we scored this

How We Rank
Star rating 99
Review volume 100
Review recency 100
Review sentiment 47
Profile completeness 100
Verification 30

Rating breakdown

5
692
4
2
3
2
2
0
1
7

Contact

Address
14211 S Coit Rd Suite I, Dallas, TX 75254
Open in Google Maps

Last verified 2026-08-23

Opening hours

Monday
10:00-19:30
Tuesday
10:00-19:30
Wednesday
10:00-19:30
Thursday
10:00-19:30
Friday
10:00-19:30
Saturday
10:00-17:00
Sunday
10:00-14:00

As listed on Google.

From their website

Services listed
Personal loansSecured personal loansUnsecured personal loansMake a paymentSavings: Set & Save
Published prices
Personal loans unsecured (new customers)
$500 to $4,500
Personal loans unsecured (returning customers)
$2,000 to $8,000
Personal loans secured
$3,700 to $13,700
Personal loans unsecured (Pathward)
$300 to $10,000
Personal loans unsecured (Column)
$500 to $6,000
Personal loans secured (Pathward)
$2,525 to $18,500

Credentials claimed:Licensed by the New Mexico Regulation and Licensing Department, Financial Institutions Division (NMLS #1671904), Pathward, N.A. Member FDIC, Column N.A. Member FDIC

As published by the business on its own website; not independently verified.

Enquire about Oportun

Your enquiry goes to the South & Central U.S. Loan Storefront Guide team, who will pass it to Oportun. We only share your details with providers relevant to your request.

Common questions

How fast can I get approved and funded?
Reviews and the business describe same-day or next-day approval and funding for online applications.
What are the interest rates and fees?
Their website lists example APRs of 34.95% to 35.95%, administrative fees up to 10% of the loan amount, and late fees. One review reports late fees of $200.
What loan amounts are available?
Unsecured loans range from $300 to $10,000 for most customers; secured loans go up to $18,500. New customers start lower ($500-$4,500 unsecured).

Similar loan agencies nearby

TitleMax Title Loans
94

TitleMax Title Loans

5.0(886)✓ Google-verified

Rodrigo Segura and Medelin stand out repeatedly for staying late, answering questions thoroughly, and getting approvals done on the spot. Customers consistently report walking in and leaving with funds the same day, backed by staff who treat the process like a personal favor rather than a transaction. The Dallas Coit Road location handles car and motorcycle title loans, personal loans, and title pawns. Most five-star reviews name these two staff members specifically, praising their speed and willingness to work past closing hours. No meaningful complaints emerge from the recent record.

Auto & Title LoansMortgage & Home Loans
View profile
HiFi Hard Money
87

HiFi Hard Money

5.0(55)✓ Google-verified

Real estate investors consistently report working with Eugene, Jay, and Chu for multiple deals over years. Closings happen in days rather than weeks, draw requests fund same-day, and staff analyze deals upfront to ensure the fit is right. The team offers market insights, helps structure loans, and treats clients as partners rather than transactions.

Mortgage & Home Loans
View profile
Ricardo Ornelas - Bilingual Mortgage Loan Officer - HomeTown Lending. (Todo el proceso en español)
87

Ricardo Ornelas - Bilingual Mortgage Loan Officer - HomeTown Lending. (Todo el proceso en español)

5.0(105)✓ Google-verified

Ricardo Ornelas delivers a stress-free mortgage experience. Reviewers consistently praise his patience, clear explanations, and speed-many close in under a month. First-time buyers feel confident; those denied elsewhere get approved. His team (Miguel and Melisa noted specifically) stays communicative at every step, handle complex applications efficiently, and pursue borrowers' interests on rates and insurance. The process feels smooth, secure, and personal throughout.

Mortgage & Home LoansSpanish-Speaking Service
View profile

Own this business? Get featured

Own or market a business here? Ask about featured placement and advertising on this directory. Your message goes straight to the directory team.

Last updated 2026-08-23