OppFi operates a technology platform that enables community banks to offer installment loans to non-prime U.S. consumers — employed borrowers with bank accounts who are typically rejected by mainstream lenders due to low FICO scores. The core product, OppLoans, is a small personal installment loan averaging roughly $1,950 for new borrowers with an average term of 11 months, used primarily for emergency expenses. OppFi targets roughly 48 million Americans it describes as "underbanked" — people with thin or impaired credit histories who can't access conventional credit. Customers apply entirely online, with roughly 94% of credit decisions automated and same-day funding available. OppFi operates exclusively through a bank partner model: three partner banks originate and fund the loans, while OppFi handles customer acquisition, underwriting, and servicing, then acquires participation rights in the loans shortly after origination — bearing the economic risk. Revenue is driven by origination volume, yield, and credit performance. Net charge-offs are the largest cost in the model. OppFi's cost structure benefits from automation — about 94% of decisions require no human interaction — and the company is building out LOLA, a next-generation origination and servicing platform designed to leverage AI and reduce cycle times. Growth priorities include expanding origination volume, accelerating underwriting model iteration, launching a new line of credit product in 2026, and pursuing acquisitions in adjacent areas like SMB lending and consumer point-of-sale financing. OppFi also has a small equity stake in Bitty Holdings, a small business revenue-based finance company.