NEWS RELEASE OppFi Exceeds 2023 Earnings Guidance, Provides Outlook for Continued Pro table Growth in 2024 3/7/2024 Record total revenue and ending receivables for full-year 2023 Ninth consecutive year of net income Net income of $39.5 million for full-year 2023 Adjusted net income of $43.3 million for full-year 2023 Net charge o rate as a percentage of total revenue improved by 8.1 percentage points to 43.5% for full-year 2023 Total revenue increased 10.7% year over year to $132.9 million for fourth quarter of 2023 Net income of $1.9 million for fourth quarter of 2023 Adjusted net income of $8.9 million for fourth quarter of 2023 Annualized net charge o rate as a percentage of total revenue improved by 12.9 percentage points year over year to 46.4% for fourth quarter of 2023 CHICAGO--(BUSINESS WIRE)-- OppFi Inc. (NYSE: OPFI; OPFI WS) (“OppFi” or the “Company”), a tech-enabled, mission- driven specialty nance platform that broadens the reach of community banks to extend credit access to everyday Americans, today reported nancial results for the fourth quarter and year ended December 31, 2023. “We’re excited to begin 2024 and leverage our strong 2023,” said Todd Schwartz, Chief Executive O cer and Executive Chairman of OppFi. “This year, we expect to continue focusing on pro table growth by maintaining 1

prudent risk tolerances and scaling operating expenses e ciently. We ended 2023 with a strong balance sheet that provides us with optionality to create additional shareholder value.” Financial Summary The following tables present a summary of OppFi’s results for the three and twelve months ended December 31, 2023 and 2022. (in thousands, except per share data) Unaudited   Three Months Ended December 31,   Change       2023       2022     % Total revenue   $ 132,924    $ 120,030    10.7% Net income (loss)   $ 1,942    $ (5,199)   137.4% Adjusted net income (loss)(1)   $ 8,883    $ (2,790)   418.4% Adjusted EBITDA(1)   $ 25,811    $ 9,922    160.1% Basic EPS   $ (0.31)   $ 0.22    (240.9)% Diluted EPS(2)   $ (0.31)   $ (0.22)   40.9% Adjusted EPS(1,2)   $ 0.10    $ (0.19)   154.1% (in thousands, except per share data) Unaudited   Year Ended December 31,   Change       2023       2022   % Total revenue   $ 508,949    $ 452,859  12.4% Net income   $ 39,479    $ 3,340  1082.0% Adjusted net income(1)   $ 43,349    $ 4,976  771.2% Adjusted EBITDA(1)   $ 114,684    $ 53,866  112.9% Basic EPS   $ (0.06)   $ 0.51  (111.8)% Diluted EPS(2)   $ (0.06)   $ 0.05  (220.)% Adjusted EPS(1,2)   $ 0.51    $ 0.06  763.0% (1) Non-GAAP Financial Measures: Adjusted Net Income, Adjusted EBITDA and Adjusted EPS are nancial measures that have not been prepared in accordance with GAAP. See “Reconciliation of Non-GAAP Financial Measures” below for a detailed description and reconciliation of such Non-GAAP nancial measures to their most directly comparable GAAP nancial measures. (2) Shares of Class V common stock that are exchangeable into shares of Class A common stock as a result of OppFi's Up-C structure are excluded from the diluted shares calculation in any period in which OppFi reports a loss because the inclusion would be antidilutive. Fourth Quarter Key Performance Metrics The following tables represent key quarterly metrics. (in thousands) Unaudited   As of and for the Three Months Ended,     December 31, 2023   September 30, 2023   December 31, 2022 2

Total Net Originations(a)   $ 191,932    $ 195,671    $ 185,851  Ending Receivables(b)   $ 416,463    $ 415,933    $ 402,180  % of Originations by Bank Partners     100%    98%    95% Annualized Net Charge-O s as % of Total Revenue(c)     46%    42%    59% Annualized Net Charge-O s as % of Average Receivables(c)     59%    55%    70% Auto-Approval Rate(d)     73%    73%    69% a.  Total net originations include both originations by bank partners on the OppFi platform, as well as direct originations by OppFi. b.  Receivables are de ned as the unpaid principal balances of loans at the end of the reporting period. c.  Annualized net charge-o s as a percentage of total revenue and annualized net charge-o s as a percentage of average receivables (de ned as the unpaid principal of loans) represents total charge o s from the period less recoveries as a percent of total revenue and average receivables, respectively. Finance receivables are charged o at the earlier of the time when accounts reach 90 days past due on a recency basis, when OppFi receives noti cation of a customer bankruptcy or is otherwise deemed uncollectible. d.  Auto-Approval Rate is calculated by taking the number of approved loans that are not decisioned by a loan advocate or underwriter (auto- approval) divided by the total number of loans approved. Full-Year 2024 Guidance Total revenue of $510 million to $530 million Adjusted net income of $46 million to $49 million Adjusted earnings per share (“EPS”) of $0.53 to $0.57 based on approximate weighted average diluted shares outstanding of 86.5 million First Quarter 2024 Guidance Adjusted earnings per share (“EPS”) of $0.05 based on approximate weighted average diluted shares outstanding of 86.0 million Conference Call Management will host a conference call today at 4:30 p.m. ET to discuss OppFi’s nancial results and business outlook. The webcast of the conference call will be made available on the Investor Relations page of the Company's website. The conference call can also be accessed with the following dial-in information: Domestic: (877) 407-0789 International: (201) 689-8562 An archived version of the webcast will be available on OppFi's website. About OppFi OppFi (NYSE: OPFI; OPFI WS) is a tech-enabled, mission-driven specialty nance platform that broadens the reach of community banks to extend credit access to everyday Americans. Through transparency, responsible lending, 3