Oportun Financial Investor Presentation — November 2021

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November 3, 2021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, warehouse line and credit commitment, third quarter and full-year

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 the 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 the volume of loans it makes; 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 business of providing consumer loans to low- and moderate-income customers underserved by traditional, mainstream financial

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, Section 27A of the Securities Act of 1933, as amended and Section 21E of the Securities Exchange Act of 1934, as amended. These statements