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Oportun Review [2023]: The New Face of Personal Finance Management

Oportun  Dashboard

Oportun, formerly known as Digit, has transformed the world of personal finance management by offering a comprehensive suite of features and services. In this detailed review, we'll explore the core functionalities and benefits of using Oportun, compare it with its competitors, and discuss user experiences.

Borrow: Personal Loans for Various Goals

One of the most notable features of Oportun is its flexible personal loan options. Catering to a wide range of financial goals, from debt consolidation to home improvements, these loans come with competitive interest rates and transparent terms. By providing a tailored solution to meet your needs, Oportun ensures that you can chase your dreams with confidence.

Save: Effortless Savings Goals Progress

Oportun's automated savings feature makes it easy for users to work towards their financial objectives. By setting customizable savings goals, users can take advantage of the app's smart algorithms that analyze spending patterns and execute daily transfers based on affordability. This hands-off approach allows for steady progress without any additional effort.

Budget: Safe Spending Insights

The budgeting tools offered by Oportun are designed to help users make informed decisions about their finances. With customizable spending categories, monthly spending insights, and real-time notifications, Oportun empowers you to spend confidently while staying on track with your financial goals.

Spend: Confident Everyday and Occasional Purchases

Oportun's real-time account monitoring and overdraft prevention ensure that you can make everyday purchases and indulge in occasional treats without worrying about potential financial pitfalls. By seamlessly integrating these features into the app, Oportun makes managing your spending a breeze.

Debt Payoff Assistance

Paying off debt is a significant concern for many individuals. Oportun offers valuable support through its debt payoff assistance feature, which includes popular strategies such as the Snowball and Avalanche methods. By providing customized payment plans and automated transfers, Oportun helps users pay down debt efficiently and effectively.

Investment Support

Oportun's investment support feature allows users to grow their wealth over time. With goal-based investment portfolios, automatic investment deposits, and easy-to-understand performance tracking, users can effortlessly begin their investment journey and secure their financial future.

A New App for Oportun Members

Existing Oportun members will appreciate the fresh design and improved user experience of the new app. Beyond its sleek interface, the app integrates loan management features with enhanced savings, budgeting, and investing tools, creating a one-stop solution for comprehensive financial management.

Transition for Digit Members to Oportun

For former Digit members, the transition to the Oportun family brings new opportunities for financial growth. By retaining the core philosophy and features of Digit, Oportun guarantees a smooth transition while providing users with even more tools and resources to achieve their financial goals.

Competitor Comparison: Acorns, Chime, YNAB, Mint, Monarch, and PocketSmith

While Oportun is an excellent choice for personal finance management, it's essential to consider how it stacks up against its competitors. We'll provide a brief summary of each competitor, their pros and cons, and a comparison with Oportun.

Acorns is an investment app that automatically invests your spare change into diversified portfolios. It's an excellent choice for beginner investors.


  • Easy and automated investing

  • Round-up feature for investing spare change

  • Educational resources


  • Limited investment options

  • Monthly fees

Oportun vs. Acorns: Oportun provides a more comprehensive set of financial management tools, whereas Acorns primarily focuses on investing. If you're looking for an all-in-one solution, Oportun is a better choice. However, Acorns is an excellent option for those looking to start investing with little effort.

Chime is an online banking platform offering fee-free banking services, including a spending account, savings account, and credit builder.


  • No hidden fees

  • Automatic savings features

  • Credit building support


  • No joint accounts

  • Limited customer support

Oportun vs. Chime: While Chime is a solid online banking option, it doesn't offer the comprehensive financial management tools that Oportun does. If you're looking for an all-in-one financial management app, Oportun is the better choice.

You Need a Budget (YNAB) is a budgeting app designed to help users gain control over their finances and prioritize their spending.


  • Detailed budgeting tools

  • Customizable categories

  • Debt payoff planning


  • Subscription cost

  • Learning curve for new users

Oportun vs. YNAB: While both Oportun and YNAB offer excellent budgeting tools, Oportun provides additional features such as automated savings, investment support, and loan management. If you're seeking a comprehensive personal finance app, Oportun is the better choice.

Mint is a popular personal finance app that helps users track expenses, create budgets, and monitor credit scores.


  • Comprehensive expense tracking

  • Free to use

  • Credit score monitoring


  • Limited customization options

  • Advertisements

Oportun vs. Mint: While both apps offer budgeting and expense tracking, Oportun offers more features, such as debt payoff assistance and investment support. If you're looking for an all-in-one solution, Oportun is the better choice.

Monarch is a personal finance app that combines budgeting, investing, and financial planning in a user-friendly interface.


  • All-in-one financial management solution

  • Customizable dashboard

  • Financial goal tracking


  • Subscription cost

  • Limited investment options

Oportun vs. Monarch: Oportun and Monarch both provide comprehensive financial management tools. However, Oportun offers more advanced features such as loan management and debt payoff assistance. Users should carefully evaluate their financial needs and priorities before choosing between the two platforms.

PocketSmith is a personal finance app that helps users create budgets, track expenses, and forecast their financial future with the help of detailed financial insights.


  • Comprehensive budgeting and expense tracking

  • Financial forecasting

  • Multiple currency support


  • Subscription cost for premium features

  • No investment tracking

Oportun vs. PocketSmith: While PocketSmith offers valuable budgeting and financial forecasting tools, Oportun provides a more comprehensive feature set, including investment support, loan management, and automated savings. If you're looking for an all-in-one financial management platform, Oportun is the better choice.

Pricing and Plans

Oportun offers a range of plans to cater to different user needs. The Free Trial and Basic Plan provide access to essential features, while the Premium Plan unlocks additional benefits such as priority support and advanced customization options. By comparing these plans with other finance management apps, users can make an informed decision about which platform best meets their requirements.

User Testimonials and Reviews

Oportun has received positive reviews from users who appreciate the app's user-friendly interface, comprehensive features, and automation capabilities. Constructive criticism often pertains to users seeking more advanced investment tools or additional customization options. However, overall satisfaction rates remain high, indicating that Oportun is a reliable choice for personal finance management.


In summary, Oportun offers a robust suite of tools and features designed to help users achieve their financial goals. With its comprehensive financial management options, customizable settings, and time-saving automation, Oportun proves to be a valuable resource for those looking to improve their financial well-being.

Whether you're a former Digit user or a new member of the Oportun family, the platform's commitment to user success makes it an attractive option for personal finance management. By carefully evaluating the competition and considering your unique financial needs, Oportun may be the ideal solution to help you achieve financial success.

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