OppFi operates a tech-enabled digital consumer finance platform that partners with community banks to extend credit access to Americans excluded from traditional banking systems. The company targets a population of approximately 48 million people it describes as locked out of conventional financial services, offering safe and affordable credit products through its digital infrastructure.
The platform integrates with community banking partners, combining software engineering, data science, and financial services expertise to build digital solutions for underserved consumers. OppFi's technical work spans platform development, banking integrations, customer service technology, and product development.
The company maintains a remote-flexible workplace structure with regular team gatherings and has received recognition as a Crain's Fast 50 company and one of Built In's Best Places to Work in Chicago. It holds a Trustpilot rating of 4.5 out of 5 stars and an A+ rating from the Better Business Bureau. OppFi emphasises professional development through training budgets and internal courses, operating with a stated culture of meritocracy where ideas are evaluated on merit rather than hierarchy.
