Full Year 2022 Outlook and Key Company Highlights

OppFi Entering Next Phase of Growth Originations ($ in millions) & Percent Growth 2019A 2020A 2021A 2022P 20% -25% $7292 (3%) 23% $595 $497 $483 Strengthened the • • • Foundation Diversified capital structure Adjusted net income increased by 90%¹ Auto approval rate more than doubled Strong Business Fundamentals Despite Pandemic Onset . Added new bank origination partners Tightly managed business through the pandemic Provided credit to more than 280,000 consumers Transitioned to Public Company, Growth Resumed Origination and earnings growth resumed Record originations in 2H:21 • More than doubled auto approval rate (again) 5 Focus on Our Core Product, Credit Normalizes . . . • Todd Schwartz returns as CEO Strong origination demand Credit normalization • Iterating market-based offers • Refining credit model Strengthening technology and ΑΙ 1. Adjusted Net Income is not a financial measure determined in accordance with GAAP. For a reconciliation to our most directly comparable financial measures calculated and presented in OppFi accordance with GAAP, please see the Appendix included within this presentation. 2. Represents an amount that reflects originations based on the midpoint of guidance for ending receivables growth.

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