Personal loans · Methodology v2026.08 · graded 2026-09-05
Oportun grades D (40.4/100) for personal loans under our published rubric, with 5 of 7 dimensions scored — 70% of the rubric's weight, so the grade is provisional. Every number below links to the lender’s own page or a regulator’s record, with the date we retrieved it.
Oportun
Oportun, Inc. / Oportun, LLC (NM and WI loans); other states originated by Pathward, N.A. or Column N.A., Member FDIC
Why this grade cannot be higher than C
Administrative fee is a flat 10% of principal in both examples Oportun publishes, above the 0%-8% typical range used as this dataset's fee-burden ceiling. Oportun's own self-imposed 'all-in' cap keeps total APR at or below 36% (its current live examples show 34.95%-35.95%), i.e. it sits right at, not above, the Military Lending Act benchmark used here. Source (retrieved 2026-08-24)
30/100
A maximum APR is published but no minimum starting rate is disclosed, sourced from a secondary source, not the lender's own official page (retrieved 2026-08-24).
35/100
Maximum published APR is 35.95%, 0.05 percentage points below the 36% Military Lending Act benchmark (10 U.S.C. § 987; 32 CFR Part 232).
35/100
Maximum administrative fee is 10% of the loan amount, against the 0%–8% range this methodology treats as typical for this loan category.
A regulatory-enforcement-record search has not yet been completed for this lender. This is a research gap, not a clean bill of health.
No CFPB complaint-volume figure has been mapped for this lender yet.
100/100
Verified via federal charter: Loans originated by Pathward, N.A. or Column N.A. — federally chartered, verifiable via FDIC BankFind.
50/100
2 of 4 structural terms are clearly disclosed on the lender's own materials — disclosed: Prepayment penalty policy, Loan amount range — not disclosed: Late fee amount or policy, Loan term range.
See Oportun’s own rate page · Graded 2026-09-05 under methodology v2026.08.
The weights and thresholds are published on the lender grades criteria page before any grade, using numbers fixed in advance. A stranger can take the same public facts cited here and reproduce this grade by hand. A dimension only scores when a real, sourced number exists for it — when one is missing we say “not yet researched” instead of averaging it away, and the “% of rubric scored” figure above is the exact fraction of the published weight this grade rests on.
5 of the 7 published dimensions — cost transparency, cost level vs. mla benchmark, fee burden, licensing verifiability, terms clarity — each backed by a published number, a source URL, and a retrieval date. That is 70% of the rubric's total weight, which is why the grade is labelled "Provisional". The remaining 2 (regulatory record, complaint density) are not scored yet; we say so rather than guess.
No. It is an educational summary of public facts about Oportun's published terms and public record under a rubric fixed in advance (methodology v2026.08). It is not legal or financial advice, and a grade cannot tell any one borrower whether a loan fits their situation.
Oportun's own published terms cross a threshold this methodology fixed in advance, or a public regulator has a docketed enforcement action on file, so the grade cannot be higher than C regardless of the other dimensions. The exact figure or docket, with its source and retrieval date, is shown on this page.
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