Oportun Financial Investor Presentation — August 2022

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August 8, 20222Q 2022

Presentation2This presentation and the accompanying oral presentation contain forward-looking statements. All statements other than statements of historical fact contained in this presentation, including statements

concerning our business, future results of operations and financial position, planned products and services, achievement of our strategic priorities, anticipated benefits to our service offerings to be realized from our

acquisition of Digit, third quarter an d revised full-year 2022 outlook, business strategy and plans and objectives of management for future operations of Oportun Financial Corporation (“Oportun” or the “Company”),

are forward-looking statements. These statements involve known and unknown risks, uncertainties, assumptions and other factors that may cause the Company’s actual results and financial position, as well as our

plans, objectives and expectations for our performance or achievements to be materially different from any future results, performance or achievements expressed or implied by the forward-looking statements.

These risks and uncertainties include those risks described in Oportun's filings with the Securities and Exchange Commission under the caption "Risk Factors", including the Company's most recent annual report

on Form 10-K and most recent quarterly report on Form 10-Q, and include, but are not limited to: the impact of COVID-19 on our business and the economy as a whole; Oportun’s future financial performance,

including trends in revenue, net revenue, operating expenses, and net income; changes in market interest rates; increases in loan delinquencies and charge-offs; Oportun’s ability to operate successfully in a highly

regulated industry; the effect of management changes; Oportun's ability to increase market share and enter into new markets; Oportun's ability to expand its membership base; successful integration of Oportun and

Digit's business; Oportun's ability to successfully offer loans in additional states; the successful development and execution of strategic partnerships; and Oportun’s ability to compete successfully with companies

that are currently in, or may in the future enter, the digital banking and lending space.

In some cases, you can identify forward-looking statements by terminology such as “aim,” “anticipate,” “assume,” “believe,” “contemplate,” “continue,” “could,” “due,” “estimate,” “expect,” “goal,” “intend,” “may,”

“objective,” “plan,” “predict,” “potential,” “positioned,” “seek,” “should,” “target,” “will,” “would,” or the negative of these terms or other similar words. These forward-looking statements are subject to the safe harbor

provisions under the Private Securities Litigation Reform Act of 1995 and Section 21E of the Securities Exchange Act of 1934, as amended. These statements are only predictions. Oportun has based these forward-