Oportun Financial Investor Presentation — March 2020

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NASDAQ: OPRTDisclaimer

This presentation contains summarized information concerning Oportun Financial Corporation (the “Company,” “Oportun,” “we,” ”us” or “our”) and the Company’s business, operations, financial perfo rmance

and trends. For additional financial, statistical and business related information, see the Company’s most recent Annual Repo rt on Form 10 -K (“Form 10 -K”) filed with the U.S. Securities and Exchange

Commission (the “SEC”), as well as the Company’s other reports filed with the SEC from time to time. Such reports are or will beavailable in the Investor Relations section of the Company’s website

(https://investor.oportun.com) and the SEC’s website (http://www.sec.gov). This presentation shall not constitute an offer t o sell or the solicitation of an offer to buy any securities in the Company.

This presentation and the accompanying oral presentation contain forward -looking statements. All statements other than statement s of historical fact contained in this presentation, including statements as to

future results of operations and financial position, planned products and services, business strategy and plans and objective s of management for future operations of Oportun are forward -looking statements.

These statements involve known and unknown risks, uncertainties, assumptions and other factors that may cause the Company’s a ctual results, performance or achievements to be materially different from any

future results, performance or achievements expressed or implied by the forward -looking statements. Important factors include, w ithout limitation, risks and uncertainties described in the “Risk Factors” and

“Management’s Discussion and Analysis” section of the Company’s most recent Form 10 -K filed with the SEC and in the Company’s ot her filings with the SEC from time to time.

In some cases, you can identify forward -looking statements by terms such as “expect,” “plan,” “anticipate,” “intend,” “target,” “project,” “predicts,” “potential,” “explore” or “continues” or the negative of these

terms or other similar words. These statements are only predictions. Oportun has based these forward -looking statements largely on its current expectations about future events and financial trends that it

believes may affect its business, financial condition and results of operations. Also, these forward -looking statements represen t the Company’s estimates and assumptions only as of the date of this

presentation. The Company assumes no obligation to update any forward -looking statements after the date of this presentation.

This presentation also contains estimates and other statistical data made by independent parties and by the Company relating to market size and growth and other industry data. These data involve a number of