Oportun is a financial technology company providing personal loans, secured lending, and automated savings solutions to underserved American consumers who lack access to mainstream credit. The company generates revenue primarily through interest and fees on unsecured personal installment loans (ranging from $300 to $10,000) and secured vehicle-collateralized loans, with growing contributions from its proprietary Set & Save savings product, which uses machine learning to help members automate and optimize their savings. Oportun serves its target market through multiple channels including a mobile app, website, telesales, and physical retail locations, leveraging proprietary artificial intelligence and machine learning models that analyze alternative data sources to approve borrowers whom traditional lenders would decline, while maintaining responsible underwriting standards and competitive interest rates capped at 36% APR.