OppFi Inc. OPFI

Company Overview

OppFi Inc. is a U.S.-based financial technology company focused on providing digital consumer lending and financial services products to non-prime and near-prime borrowers who are often underserved by traditional banks and credit providers. The company operates primarily in the online lending and fintech industries, using proprietary technology and data-driven underwriting models to originate and service loans through bank partnership programs. Its core revenue drivers include installment loan products, servicing income, and technology-enabled lending platform fees associated with its lending operations.

The company’s primary platform, OppLoans, offers installment loans to consumers with limited access to mainstream credit products. OppFi has also expanded into adjacent financial services areas through products such as salary-linked credit access and credit card offerings. The company was founded in 2012 and evolved from a consumer-focused online lender into a broader fintech platform emphasizing alternative underwriting, machine learning-based risk assessment, and mobile-first customer acquisition. Public filings and investor materials indicate that OppFi positions itself as a technology-enabled credit access provider focused on regulatory compliance, scalable digital infrastructure, and customer acquisition efficiency.