Nov 1, 2024 · Oportun offers the best small personal loans for bad credit, providing loans as small as $300 with funding as soon as the same day you apply. Additionally, Oportun has repayment terms as short as 12 months, with an APR range of 35.95% - 35.99%, so you can repay your loan quickly. Key Facts About Oportun Personal Loans: APR range: 35.95% - 35.99%.