OppFi

OppFi is a technology-enabled digital finance platform that partners with banks to provide financial products and services to everyday Americans. The company focuses on consumers who may be underserved by traditional financing providers, with a stated mission of facilitating safe, simple, and more affordable credit access while supporting customers as they work toward improved financial health.

OppFi’s primary consumer lending product is OppLoans, an installment loan offering delivered through its bank-partner model. The company describes its platform as transparent and responsible and emphasizes financial inclusion and customer experience. Its digital approach combines technology, data-driven marketing, and bank partnerships to provide credit access to eligible applicants across the United States.

The company has also expanded its product suite beyond installment loans. In 2026, OppFi announced the launch of a line-of-credit product. OppFi additionally holds a 35% equity interest in Bitty Holdings, a credit access company that provides revenue-based financing and other working-capital solutions to small businesses. These activities sit alongside its core focus on consumer financial products.

OppFi says it was established in 2012 by founder and CEO Todd Schwartz. The business has facilitated credit for more than 1.7 million customers, according to its company FAQ. OppFi Inc. is publicly traded on the New York Stock Exchange under the ticker OPFI. The company is headquartered in Chicago, Illinois.

OppFi’s stated mission is to help people who lack traditional credit options access credit and rebuild their financial health. Its website describes the intended customer group as everyday Americans facing challenges such as difficulty covering household expenses, limited savings, or being declined for credit. The company presents its work as an effort to bridge gaps in credit access through relationships with bank partners.

OppFi’s official company information highlights a focus on customer service, financial inclusion, transparent practices, and responsible lending. Its leadership page lists executives across technology, risk and analytics, compliance, product, marketing, and operations. The company also describes its employee offering in terms of compensation and benefits, and its recruiting materials characterize the workplace as caring, innovative, and inclusive. These statements reflect the company’s published descriptions rather than independent assessments.