Oportun - Save, borrow, budget 4.71.0

Oportun offers a savvy solution to achieve your financial goals. With our app, you can effortlessly save, spend wisely, budget effectively, invest at your own pace, and manage your Oportun loan all in one place. We are currently working on enhancing the credit card experience for our app, catering to our credit card holders.

Our app personalized approach considers your spending habits, income, money goals, expenses, and overall financial situation to guide your finances towards your objectives. It seamlessly helps you save, borrow, invest, and keep track of your money. Our members typically save thousands of dollars a year* without even realizing it.

• Save Effortlessly: Our app learns from your spending habits and quietly saves small amounts that accumulate quickly. You can create unlimited savings goals and gradually achieve all of them without affecting your other finances. The app also allows you to monitor your progress towards your savings goals.
• Borrow When You Need To: We understand that you are more than just a credit score. Our loans are specifically designed to help you build credit, so you can apply even without a credit history**. Once approved, you can conveniently manage your loan alongside our other user-friendly financial tools. If you already have an Oportun loan, you can also use the app to manage it.
• Make Budgeting a Breeze: Staying out of debt and planning ahead are crucial for financial well-being. Oportun calculates optimal amounts to allocate to a dedicated Bills account, ensuring you are well-prepared when bills need to be paid. The remaining funds stay in your Spending account and can be used as you wish. Budgeting and tracking your finances has never been easier.
• Direct Visa® Debit Card: The Direct Visa Debit Card is a valuable addition to your wallet. It only deducts funds from your Spending account, alleviating any concerns about overspending.
• Investing That Works for You: Start investing with the Oportun app. It takes into account your spending habits, bills, bank balance, and saving goals to determine suitable investment amounts that won't compromise your expenses or other budgeting initiatives.

How It Works:

1. Link your bank account to allow our app to learn about your spending habits and expenses.
2. Create as many savings goals as you desire.
3. Our app will initiate small transfers regularly to help you make progress towards your goals.

Put Oportun to work for you and take advantage of our 30-day free trial offering savings, budgeting, banking, and investing capabilities. Afterward, enjoy effortless money management for only $5/month. You can cancel your subscription anytime. Additionally, the Oportun app is free for members to monitor and pay their loans. The app is currently available in English, with Spanish language support coming soon.

*Based on the average savings of all paying app members in the previous 12 months.

Important Information:

Oportun is not a bank. Oportun offers the Direct℠ deposit account through our banking partner Pathward, N.A., a member of FDIC. In certain states, Oportun also offers personal loans through our partner Pathward, N.A., and credit cards through our partner WebBank, N.A. Approval is subject to credit review.

The Direct Visa® Debit card is issued by Pathward and licensed by Visa U.S.A. Inc. It can be used wherever Visa debit cards are accepted.

Digit Advisors, LLC provides the investment advisory services as a registered investment advisor with the SEC. DriveWealth LLC, a registered broker-dealer and member of FINRA/SIPC, offers brokerage services. Investment accounts are not insured by the FDIC, not a deposit or other obligation of Digit or any depository institution, and subject to investment risks including possible loss of the principal amount invested.

Standard data charges may apply when downloading the app.

**While a prior credit history is not required to qualify, credit reports will be requested and reviewed for all applicants.