Oportun Financial Corporation is a fintech company. Its financial products allow it to meet its members where they are and assist them with their overall financial health. Its products include personal loans, unsecured personal loans, secured personal loans, and Set & Save. Personal loans allow its members to address pressing financial needs as well as planned purchases and personal growth opportunities. Its secured personal loans allow its members to access larger loan sizes than they can with an unsecured loan, which is critical if the financial need they are addressing exceeds its unsecured lending limits for that member. Set & Save is its savings product. Its intelligent lending and savings platform is designed to help people, even those who are not well served by mainstream financial institutions, access credit and automate their savings without impacting their ability to meet daily spending needs. It applies artificial intelligence (AI) to automates people’s financial health.