Empowering Financial Inclusion and Health

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

View the 2025 Social Impact Report

Letter from the CEO

Since founding OppFi in 2012, I have prioritized financial inclusion to be at the heart of our mission and it remains at the core of what we do. Facilitating safe, transparent, and more affordable credit to the 48 million1 Americans who are underbanked and lack access to traditional options, we are empowering these everyday consumers to overcome obstacles while building their financial health, resulting in a path to better financial outcomes.

In 2026, we continue to build the leading digital platform that connects the millions of consumers who lack access to prime credit with the products and services they desperately need. I am honored to lead a company so dedicated to financial inclusion and financial health.

Todd Schwartz
Founder & CEO of OppFi

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.

diagnosis

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 1,200 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 25,000 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 1,200 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 25,000 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

2025 Social Impact Highlights

1.6M

Customers empowered with credit access across 40 states10

28%

Of customers received their funds on the same day they were approved in 202511

2,250

Users of the financial education app Zogo referred through our partnership12

173,792

Financial Health Resources Referred via SpringFour13

  • 1.6M

    Customers empowered with credit access across 40 states10

  • 28%

    Of customers received their funds on the same day they were approved in 202511

  • 2,250

    Users of the financial education app Zogo referred through our partnership12

  • 173,792

    Financial Health Resources Referred via SpringFour13

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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