That number of filings makes Oportun the most litigious personal loan company in Texas and one of the most litigious debt collectors in the state overall this year. But consumer advocates say the large number of lawsuits Oportun is filing raises the question: Under what circumstances are those repayments occurring? Oportun loan contract. Despite the near 67% interest rate in her clients loan, Oportun maintains that its average APR is 36%. Like Solis, several Oportun borrowers said the lawsuits against them came as a surprise.