OppFi Results Presentation Deck
SalaryTap Extends Prime Pricing to Non-Prime Consumers
We believe facilitating credit access through payroll deduction will significantly improve credit performance,
preserving strong unit economics while reducing the cost of borrowing for customers
Increased Addressable Market
Larger, Lower Priced Loans
Multiple Go-to-Market Channels
Reduced risk premium results in material
savings for consumers
Payroll link allows for broader
underwriting of customer and sub-36%
APR expands geographic footprint
resulting in addressable market of $32B¹
New payroll verification technologies make it
possible to distribute SalaryTap via direct to
consumer, strategic partnerships, and
through employers
9
• Lower monthly payments support larger
loan sizes to meet customer needs
1
Apply online in
minutes
Confirm your employer and
fill out our simple
application.
2
Set up automatic
payments
Set up automatic payments
from your paycheck and
sign your contract.
.
3
Receive your
funds
Review and sign your
contract and receive funds
as soon as the next
business day!*
1. DailyPay, US Bureau of Labor Statistics and US Census Bureau-Based on adult population of US (-255mm) multiplied by employment rate as of February 2021 (-58%) multiplied by the percentage of employed Americans relying
on employer-offered financial assistance programs (-36%); assumes -30% of this target population (-53mm) qualified to receive $2,000 in payroll deduction lending
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