OppFi Inc.

OppFi Inc. (NYSE: OPFI) operates as a tech-enabled specialty finance platform designed to broaden the reach of community banks in extending credit access to everyday Americans. The company's website is www.oppfi.com.

The company's primary product is the OppLoans platform, which facilitates the issuance of simple interest installment loans to approximately 48 million underbanked Americans who lack access to traditional credit options. Through its platform, OppFi has facilitated more than $8.6 billion in gross loan issuance covering more than 4.7 million loans since inception through December 31, 2025. The average installment loan for a new borrower is approximately $1,950, payable in installments with an average contractual term of eleven months. Loans feature no origination fees, late fees, or insufficient funds fees, with no prepayment penalties and transparent reporting to the three major credit bureaus.

OppFi operates exclusively through a bank partner model, collaborating with three bank partners: FinWise Bank, First Electronic Bank, and Capital Community Bank. These partners originate loans on the OppLoans platform across forty states as of December 31, 2025. OppFi manages customer acquisition, underwriting, and loan servicing on behalf of its bank partners, leveraging proprietary machine learning-based risk models and alternative credit decisioning methods that do not rely on traditional FICO scores. Approximately 93.7 percent of credit decisions on the platform were automated during 2025, with qualified customers eligible for same-day funding.

The company has served more than 1.6 million unique customers since inception and maintains a Net Promoter Score of 78, an A+ Better Business Bureau rating, and a 4.4 out of 5.0 star rating on Trustpilot with more than 5,400 reviews. OppFi's competitive advantages include its digitally-native solution, proprietary data-driven decisioning models, integrated multi-channel marketing approach, and commitment to customer service. The company also provides financial education through partnerships with Zogo and its internal OppU platform. In 2024, OppFi acquired an equity interest in Bitty Holdings, LLC, a small business credit access company, to diversify its business and serve additional customer types aligned with its financial inclusion mission.