Oportun - formerly Digit

Hello Digit

About this app

Oportun is the savvier way to meet your money goals. You can save without thinking about it, spend and budget smarter, invest at your own pace, and manage your Oportun loan in one place. For our credit card holders, soon you’ll come here to manage your credit card too. For our credit card holders, we’re currently building out the credit card experience for our app.

Our app guides your money toward your goals in a way that takes your spending habits, income, money goals, expenses, and overall financial situation into account. It's an effortless tool to help you save, borrow, invest, and track your finances. Members typically save thousands of dollars a year* without feeling it.

SAVE EFFORTLESSLY

Our app learns your spending habits and saves amounts you won’t feel, but add up fast. You can add an unlimited amount of savings goals and little by little, we will help you reach them all without impacting your other finances. Our app also serves as a progress tracker for your savings goals.

BORROW WHEN YOU NEED TO

You’re more than a credit score and we take that into account. Our loans are designed to help you build your credit, so you can apply without a credit history**. Once approved, you can manage your loan alongside our other effortless financial tools. If you already have a loan through Oportun, you can use the app to manage it too.

MAKE BUDGETING A BREEZE

A big part of financial health is staying out of debt and planning ahead. Oportun calculates smarter amounts to slowly budget into a dedicated Bills account, so you’re in a good place when it’s time to pay your bills. What’s left stays in your Spending account and can be used however you want. Budgeting and tracking your finances can be effortless.

DIRECT VISA® DEBIT CARD

The Direct Visa Debit Card is the perfect addition to your wallet. It only pulls money from your Spending account, so you don’t have to worry about your budget.

INVESTING THAT WORKS FOR YOU

Start investing with the Oportun app. It knows your spending habits, bills, bank balance, and saving goals. Then it uses those details to find smarter amounts to invest that won’t take away from your expenses or anything else you’re budgeting for.

HOW IT WORKS

1. Link your bank account so our app can learn your spending habits and expenses.
2. Set up as many savings goals as you like.
3. We’ll get to work with small transfers saved often.

PUT OPORTUN TO WORK

Get started with 6 free months of saving, budgeting, banking and investing. After that, you can enjoy effortless money management for just $5/month. Cancel your subscription anytime. Plus, the Oportun app is free for members to use for the purpose of monitoring and paying their loan. Our app is currently available in English, with Spanish coming soon.

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Oportun is not a bank. Oportun offers the deposit account (Direct℠) via its bank partner Pathward, N.A., Member FDIC. Oportun also offers personal loans in certain states through its partner Pathward, N.A., and credit cards through its partner WebBank, N.A., and those products are subject to credit approval.

Direct Visa® Debit card is issued by Pathward, pursuant to a license from Visa U.S.A. Inc. Card can be used everywhere Visa debit cards are accepted.

Investment advisory services provided by Digit Advisors, LLC, SEC-registered investment advisor. Brokerage services provided by DriveWealth LLC, an SEC-registered broker-dealer and member of FINRA/SIPC. Investment accounts are: (i) not insured by FDIC; (ii) not a deposit or other obligation of, or guaranteed by Digit or another depository institution; (iii) subject to investment risks, including possible loss of the principal amount invested.

*Based on average saves of all paying app members in the prior 12 months.

**While a prior credit history is not required to qualify, credit reports will be requested and considered for all applicants.

Ratings and reviews

Digit was an app that I love and recommended to a lot of people. Since Oportun has taken over, it's been downgraded quite a bit. They've added an unnecessary home screen that you must now navigate from. There is no longer an option to pause all withdrawals (you have to individually pause each one now). Others are complaining that the auto withdrawal feature has also been removed. If this is a sign of things to come, I'll probably go elsewhere.

I used this app when it was Digit and loved it. Instant money transfers aren't possible anymore. With digit I could pay $0.99 for an instant transfer. With Opportun I can no longer do so and the app saves money even when my checking account is low which is frustrating. Please bring instant transfers back! Update: instant transfers are still a thing, it's the last thing you choose now instead of the first. We will see if money still gets taken when the account is low. Customer service is great!

I'm slowly figuring out Oportun after using digit for years.. What I'm having a problem with is the app closing down, The virtual debit card doesn't work! can't add to my phone, I can't stop a weekly smartpayment or change it. ON top of all! the fees to move the money from my main credit union account to the app and back is crazy. The old app didn't charge me to save my money. Maybe it time to close this account down