Yes, Oportun functions as a direct lender rather than an indirect broker or lead-generating network. When you apply for a personal loan or credit card through Oportun, the company evaluates your application, makes the underwriting decision, funds the loan directly from its own capital reserves, and services the account throughout its repayment lifecycle. This direct relationship means borrowers interact exclusively with Oportun personnel regarding loan terms, payment schedules, and account management services.