The Oportun is a personal loan from Oportun. The annual fee is up to 10% of principal amount. The ongoing APR is Examples only: 35.95% APR (unsecured, 30 months) and 34.95% APR (secured, 39 months); APR range not stated. Rewards: No prepayment penalty. Reports to credit bureaus. Soft pull pre-qualification. Secured loan option available in some states.. Typical credit limit: $300 to $10,000 (secured loans $2,525 to $18,500). Funding speed: Fast funding. Loan terms: Examples use payments due every two weeks, 30 months (unsecured) and 39 months (secured); no general term range stated. Loan amounts $300-$10,000. Origination fee up to ~10% may be deducted. Pre-qualification with soft pull, no FICO impact.