The Oportun Personal Loan is a personal loan from Oportun Personal Loan. The annual fee is up to 10% of principal amount. The ongoing APR is 34.95%. Approval typically requires a credit score of null or higher. Rewards: No prepayment penalty. Reports to credit bureaus. Soft pull pre-qualification. Secured loan option available in some states.. Typical credit limit: $300 - $10,000. Funding speed: quickly through direct deposit. Loan terms: from $300 to $10,000. Loan amounts $300-$10,000. Origination fee up to ~10% may be deducted. Pre-qualification with soft pull, no FICO impact.