OppFi Rule of 40

What does OppFi do? OppFi, Inc. generates revenue through its OppLoans lending platform, which provides accessible credit solutions via digital finance products. The company offers the OppFi Card, a mobile experience designed as an alternative to traditional credit cards, helping users build credit, and SalaryTap, a payroll deduction secured installment loan product. Customers who opt into the OppFi TurnUp Program can explore more affordable credit options through the company's platform, which checks the market voluntarily for eligible applicants. The primary buyers of these financial products are individuals seeking alternative credit solutions, particularly those looking to build or improve their credit history through innovative digital tools. OppFi's platform is mobile-optimized, allowing users to access its services through a dedicated online application. The OppFi TurnUp Program specifically targets customers who want to find better credit deals, while SalaryTap caters to those preferring secured installment loans tied to payroll deductions. The OppFi Card serves as a credit-building tool, appealing to consumers who need alternatives to conventional credit cards. These products are designed for a segment of the market focused on digital financial solutions and credit enhancement. The company's revenue streams are derived from its OppLoans platform, which includes the OppFi Card and SalaryTap services. The OppFi TurnUp Program adds value by helping users identify cost-effective credit options, indirectly supporting the platform's adoption. OppFi's target audience consists of individuals who prioritize mobile accessibility and credit-building opportunities, making these products suitable for a growing demographic seeking flexible financial tools. OppFi is one of the most popular companies on Eulerpool.