Empowering Financial Inclusion and Health

Rooted in OppFi’s mission to expand safe, affordable credit access, our Social Impact initiatives empower underserved Americans through financial inclusion and wellness.

Letter from the CEO

Since founding the company in 2012, I have prioritized financial inclusion to be at the heart of OppFi’s mission, and it remains at the core of what we do. By providing a path to credit for the 60 million1 Americans who lack access to traditional financial products, we are empowering these everyday consumers to build better financial health.

In 2025, we continue to offer financial products and services to the millions of consumers who lack access to prime credit. I am honored to once again be leading a company with financial inclusion at its core.

Todd Schwartz
Founder, Chief Executive Officer, and Executive Chairman

Key Pillars of Our Social Impact Strategy

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Financial Inclusion

Why we do what we do - provide credit access to underserved consumers who have limited options through product features designed to remove friction throughout the process.

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Financial Health

Information and resources we provide to ensure a customer is on a better financial path toward security and freedom of choice after interacting with us.

Strategic Financial Health Relationships

Forging relationships with like-minded organizations allows OppFi to offer customers additional resources that build and support financial health.

  • Zogo7 is a gamified personal finance app that allows users to earn “pineapples” for each lesson learned, which can be redeemed for rewards from popular retailers. OppFi sponsors the app to encourage customers to improve their financial knowledge. Zogo includes over 1,100 lessons, from opening a bank account to saving for retirement - and everything in between.

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  • SpringFour is a fintech company that provides access to over 23,000 vetted nonprofit and government resources to millions of consumers. These resources enable them to meet financial objectives, reduce household expenses, and avoid payment delinquencies.

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  • You could raise your FICO® Score8 instantly, for free, with Experian Boost.9 Get credit for your phone, utility, and streaming service bills you’ve been paying all along. Experian Boost only counts your positive payment history.

    Learn More

  • Empower yourself with knowledge to manage your personal finances with informative and engaging articles on various financial subjects.

    Learn More

  • Zogo7 is a gamified personal finance app that allows users to earn “pineapples” for each lesson learned, which can be redeemed for rewards from popular retailers. OppFi sponsors the app to encourage customers to improve their financial knowledge. Zogo includes over 1,100 lessons, from opening a bank account to saving for retirement - and everything in between.

    Learn More

  • SpringFour is a fintech company that provides access to over 23,000 vetted nonprofit and government resources to millions of consumers. These resources enable them to meet financial objectives, reduce household expenses, and avoid payment delinquencies.

    Learn More

  • You could raise your FICO® Score8 instantly, for free, with Experian Boost.9 Get credit for your phone, utility, and streaming service bills you’ve been paying all along. Experian Boost only counts your positive payment history.

    Learn More

  • Empower yourself with knowledge to manage your personal finances with informative and engaging articles on various financial subjects.

    Learn More

2024 Social Impact Highlights

1.4M

Customers empowered with credit access across 40 states10

39%

Of customers received their funds on the same day they were approved in 202411

2,400

Users of the financial education app Zogo referred through our partnership12

12,000+

Accounts that utilized the hardship program then paid off or refinanced their loans in 202413

  • 1.4M

    Customers empowered with credit access across 40 states10

  • 39%

    Of customers received their funds on the same day they were approved in 202411

  • 2,400

    Users of the financial education app Zogo referred through our partnership12

  • 12,000+

    Accounts that utilized the hardship program then paid off or refinanced their loans in 202413

Innovative Programs for Positive Impact

OppFi’s commitment to financial inclusion and health is reflected in initiatives like the TurnUp Program. This proprietary referral program connects applicants with lower-rate credit options, even if it means guiding them to other financial providers.

By prioritizing customer well-being, the TurnUp Program highlights OppFi’s ethical practices and long-term vision of empowering consumers to make the best financial decisions for their needs.

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