The maximum personal loan amount you can borrow from Oportun is generally $10,000, though individual borrowing limits vary significantly based on state regulations, your verified income capacity, debt-to-income ratio, and overall creditworthiness. First-time customers typically qualify for smaller initial amounts—often ranging from $300 to $5,000—while returning customers with a strong on-time repayment history may become eligible for higher tiers up to the maximum limit.