2 - Tap on the Profile & settings icon (the person icon in the upper-left corner).
3 - Select Settings.
4 - Choose Subscription.
5 - Tap Close my account on the next screen.
Oportun is a company that offers personal loans and a smart savings app to help people manage their money easily. They provide affordable loans that range from a few hundred to several thousand dollars, and you don't need to have a credit history to apply. They also have a Set & Saveâ„¢ app that helps you save money automatically. If you see a bill from them, it's likely for a loan payment or savings service you signed up for to help with your finances.
The cancellation process is straightforward through the app by navigating to Profile & settings, then Subscription, and tapping Close my account. It doesn't involve complicated steps or needing to contact support, making it fairly easy for consumers.
Estimated Time
On average, it takes 10 minutes0010 minutes to cancel a Oportun subscription.
How to Contact Oportun
If you need assistance, here's how you can get in touch with Oportun's support team.
Savings over 5 years from cancelling your $15/month subscription
Savings by cancelling
$0
vs
Loss if you keep paying
-$0
$800
$600
$400
$200
$0
Years
Tips and Tricks for Getting a Oportun Refund
Call during business hours early in the day to avoid long wait times and increase chances of speaking with a live representative.
Be persistent and polite—you often need to repeatedly ask to cancel and confirm multiple times.
Request escalation to a supervisor if the initial agent resists cancellation.
Use the phrase "I want to cancel immediately" to be clear and firm about your intent.
Prepare to negotiate—the company may offer discounts or retention deals, but firmly decline if you want to cancel.
Document every interaction including times, names, and what was said to have proof if disputes arise later.
Watch for automatic payments post cancellation; if charged again, contact support immediately to dispute and demand refund.
Be aware cancellation often requires phone contact and cannot be completed solely online or via email.
Timing your call just as your billing cycle ends may help minimize additional charges.
Expect inconvenience and plan accordingly—users report difficulty and delays in getting cancellations processed promptly.
Why Do People Request Refunds from Oportun
Unauthorized charges on credit cards by Oportun or related entities leading to requests for immediate refunds.
Fraudulent accounts and identity theft resulting in negative impacts on credit reports, with consumers seeking removal of these accounts and cessation of collection efforts.
Disputes about alleged debts or collection notices where consumers deny responsibility and request investigation and resolution.
Ongoing unwanted mailings for individuals who have not had any accounts or relations with Oportun, despite multiple requests to stop.
General billing issues, including unexpected charges or fees.
Customer service issues and dissatisfaction with Oportun's resolution efforts or lack of satisfactory responses to disputes.
Identity theft and reporting errors leading to financial harm and customers seeking correction or refunds.
Complaints related to service or product issues and misleading sales or advertising practices.
Oportun Refund Script
Script
Copy
Dear Oportun, Support, I hope this message finds you well. I am writing to request a refund due to a billing issue that arose recently. I noticed an accidental charge on my account that I do not recognize, and I believe it may have been a mistake. I would greatly appreciate your assistance in processing this refund at your earliest convenience. Thank you for your attention to this matter. I look forward to your prompt response. Best regards,
What People Say About Oportun
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Oportun Refund Policy
Oportun's subscription service for digital banking and savings can be cancelled at any time through their app or by contacting customer service. There is no mention of cancellation fees, and any subscription fees due after free trials will be automatically set aside and withdrawn monthly or annually as applicable. Changes to fees and billing practices will be communicated in advance. This ensures flexible and transparent management of memberships.
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The Easiest Way to Get a Oportun Refund
If you’re frustrated trying to cancel your subscription, membership, or bill from Oportun—or if you didn’t even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or email account, and we’ll take care of the rest.
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Frequently Asked Questions
Oportun allows you to cancel your subscription or automatic payments, but you must notify them at least 3 business days before the payment due date, which can be a pain point if missed. Canceling automatic payments via your bank's stop payment may incur fees, and you are still responsible for paying your loan on time even after cancellation, so there are no true lock-ins but timing and fees can complicate cancelation. There are no early cancellation fees or contracts that lock you in, but be aware of the advance notice requirement and possible bank fees.
Unauthorized charges on credit cards by Oportun or related entities leading to requests for immediate refunds.
Fraudulent accounts and identity theft resulting in negative impacts on credit reports, with consumers seeking removal of these accounts and cessation of collection efforts.
Disputes about alleged debts or collection notices where consumers deny responsibility and request investigation and resolution.
Ongoing unwanted mailings for individuals who have not had any accounts or relations with Oportun, despite multiple requests to stop.
General billing issues, including unexpected charges or fees.
Customer service issues and dissatisfaction with Oportun's resolution efforts or lack of satisfactory responses to disputes.
Identity theft and reporting errors leading to financial harm and customers seeking correction or refunds.
Complaints related to service or product issues and misleading sales or advertising practices.
Full name associated with your Oportun account
Email address registered with Oportun
Mobile phone number linked to your account
Mailing address (if required to verify identity)
Account number or loan number (if canceling autopay or related to a loan)
Reason for cancellation (if asked by customer support)
Last four digits of SSN (to verify your identity, if requested by customer service)
Date you wish the cancellation to take effect (must be at least 3 business days before payment due date for autopay)
Before canceling your Oportun subscription or membership, know that cancellation can be done anytime through the app or by contacting customer service. When you close your Set & Save account, your saved money will be returned automatically to your linked bank account within 1-5 business days, and you will receive an email confirmation regarding the return and account closure. Simply deleting the app does not cancel your subscription or close your account; you must complete the cancellation process in the app to stop savings, remove linked bank details, and stop fees. Keep in mind that you lose access to the savings feature and related benefits once the subscription or Set & Save account is cancelled.
Oportun's subscription service for digital banking and savings can be cancelled at any time through their app or by contacting customer service. There is no mention of cancellation fees, and any subscription fees due after free trials will be automatically set aside and withdrawn monthly or annually as applicable. Changes to fees and billing practices will be communicated in advance. This ensures flexible and transparent management of memberships.
To cancel your subscription with Oportun, you generally do not need your password if you are using the app. You can go to Profile & Settings, choose Subscription, and then tap Close my account to cancel it. However, if you decide to contact customer support for assistance, having your account password might be required for verification. If you need to reset your password, you can do so at this URL: https://oportun.com/reset-password.
We've actually written a step by step guide on how to get a refund from Oportun. Check it out!
The cancellation process typically takes about 10 minutes to complete. However, the actual time may vary depending on your account settings and whether you need to contact customer service. Most cancellations are processed immediately, but some may take up to 24 hours to take effect.
After canceling your Oportun subscription, you'll typically have access to the service until the end of your current billing period. You won't be charged for the next billing cycle, and your account will be deactivated once the current period ends. Make sure to download any important data before cancellation.
Yes, you can usually reactivate your Oportun account by logging back into your account and resubscribing. However, you may need to go through the sign-up process again and provide payment information. Some services may offer special reactivation deals for returning customers.
If you're unable to cancel Oportun online, contact their customer service directly using the phone number, email, or website provided above. You can also use our refund script to help you communicate effectively with their support team. In some cases, you may need to provide additional verification or documentation.
Reversal: Oportun Oportun Oportun Oportun PPD ID: 9165348002 Oportun PAYMENT PPD ID: 9292290000 Electronic Withdrawal Oportun Oportun Rainy Day Oportun Subscriptn PPD ID: 7461730710 Transfer Oportun Oportun instant transfer Oportun Savings OPORTUN/PROGRESS ACH Oportun InstantFee PPD ID: 7461730710 OPORTUN/PROGRESS ACH PPD ID: 1330903620 TO Oportun Rainy Day ACH DEBIT- Oportun EDI Oportun Bonus PPD ID: 5461730710 Oportun RTP CREDIT Oportun Subscriptn Oportun PAYMENT PPD ID: 1607726000 Debit: Preauthorized Payment to OPORTUN for RAINY ACH DEPOSIT: Oportun EDI ACH Debit - Oportun Savings 9100001 Direct Debit: Oportun Rainy Day Oportun EDI - Subscriptn OPORTUN/PROGRESS ACH 4170813 TEL ID: 1330903620 OPORTUN/PROGRESS DES:ACH ID:5676280 INDN: CO ID:XX OPORTUN/PROGRESS ACH 5768456 TEL ID: 1330903620 ACH Debit - Oportun Subscriptn 9100001 TO Oportun Subscriptn OPORTUN/PROGRESS ACH 5313591 WEB ID: 1330903620 Oportun Emergency Oportun Bonus Direct Debit: Oportun Subscriptn NSF Fee With Image Oportun Savings ACH Debit OPORTUN/PROGRESS ACH 5554770 WEB ID: 1330903620
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¹ Total savings is calculated based on internal annualized estimates of
savings for customers. ² Average requests times may vary depending on volume of requests
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