Oportun Financial Investor Presentation — February 2021

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4Q20 Earnings Presentation

February 18, 2021 2

Forward-Looking Statements

This 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, 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 quarterly report on Form 10-Q and t he Company's annual report on Form 10-K for the year ended December

31, 2020, that will be filed with the Securities and Exchange Commission and include, but are not limited to: the extent and duration of the COVID-19 pandemic; market and

economic disruptions stemming from the COVID-19 pandemic; Oportun’s future financial performance, including trends in revenue, n et 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 ; the effect of the consolidation of a portion of our retail locations; Oportun's ability to increase the volume of loans it makes; Oportun's ability

to successfully offer loans in additional states; the successful development and execution of strategic partnerships; the success of Oportun's Emergency Hardship Deferral

program; and Oportun’s ability to compete successfully with companies that are currently in, or may in the future enter, the business of providing consumer loans to low- and

moderate-income customers underserved by traditional, mainstream financial institutions.

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