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OppFi is a technology-driven financial platform enhancing credit access for underserved Americans.
OppFi Inc. is a tech-enabled specialty finance platform that aims to provide accessible credit solutions for everyday Americans, particularly those who are credit marginalized. With a strong focus on transparency, responsible lending, and customer experience, OppFi serves the 63 million U.S. consumers who struggle to obtain traditional credit options due to low credit scores. The company facilitates loans through its OppLoans platform, allowing users to apply for fair and transparent installment loans with no hidden fees, while also promoting financial education through initiatives like OppU.
The business operates under a bank partner model, where OppFi collaborates with community banks to extend credit access to consumers. Through a highly automated, digital platform, the company manages customer acquisition, underwriting, and loan servicing, which allows it to efficiently cater to its target market. With innovations in alternative credit scoring and a dedication to consumer advocacy, OppFi aims to reshape the financial landscape for individuals who face barriers in accessing credit from mainstream institutions.
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