Oportun

Oportun (Nasdaq: OPRT) is a mission-driven financial services company and U.S. Treasury-certified Community Development Financial Institution (CDFI) that provides responsible, affordable personal loans, savings, and budgeting tools to people with limited or no credit history. Founded in 2006, Oportun has disbursed more than $20.8 billion across 7.7 million loans and established credit history for over 1.3 million people. Beyond its consumer app, Oportun runs an Enterprise Platform offering Lending-as-a-Service (LaaS) and embedded-finance partnerships, but publishes no public developer portal, OpenAPI specification, SDKs, or self-serve API; the LaaS integration API is available only through contact-gated enterprise partnerships.

Oportun is profiled on the APIs.io network. Tagged areas include Company, Fintech, Lending, Consumer Finance, and Loans.

Oportun’s developer surface includes engineering blog, support, and 6 more developer resources.

🌐 Visit website 📡 Source on GitHub

12.3/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5

0 APIs

CompanyFintechLendingConsumer FinanceLoansSavingsCDFIEmbedded FinanceLending as a Service

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 12.3/100 · minimal

Contract Quality 0.0 / 25

Developer Ergonomics 1.3 / 20

Commercial Clarity 4.2 / 20

Operational Transparency 0.0 / 13

Governance 0.0 / 12

Discoverability 6.8 / 10

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 15

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/oportun: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

Website

Website

About

About

Blog

Blog

Source (apis.yml)

aid: oportun
name: Oportun
description: 'Oportun (Nasdaq: OPRT) is a mission-driven financial services company and U.S. Treasury-certified Community
  Development Financial Institution (CDFI) that provides responsible, affordable personal loans, savings, and budgeting tools
  to people with limited or no credit history. Founded in 2006, Oportun has disbursed more than $20.8 billion across 7.7 million
  loans and established credit history for over 1.3 million people. Beyond its consumer app, Oportun runs an Enterprise Platform
  offering Lending-as-a-Service (LaaS) and embedded-finance partnerships, but publishes no public developer portal, OpenAPI
  specification, SDKs, or self-serve API; the LaaS integration API is available only through contact-gated enterprise partnerships.'
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://oportun.com/wp-content/uploads/2023/03/Oportun_rgb.png
url: https://raw.githubusercontent.com/api-evangelist/oportun/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- crv
- greylock
- ivp
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- Company
- Fintech
- Lending
- Consumer Finance
- Loans
- Savings
- CDFI
- Embedded Finance
- Lending as a Service
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://oportun.com/
- type: About
  url: https://oportun.com/about/
- type: Blog
  url: https://oportun.com/engineering-blog/
- type: Support
  url: https://oportun.com/help/
- type: TermsOfService
  url: https://oportun.com/terms/
- type: PrivacyPolicy
  url: https://oportun.com/privacy-policy/
- type: DomainSecurity
  url: security/oportun-domain-security.yml
- type: LLMsTxt
  url: llms/oportun-llms.txt
x-enrichment:
  date: '2026-07-20'
  status: minimal
  artifacts_added: 2
  pass: local-v1