Oportun - Save, borrow, budget 4+

Formerly Digit, Smart Savings

Hello Digit, LLC

    • Free


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.

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.


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.


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.


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.


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.


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.


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.


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.

What’s New

Version 4.35.0

This release contains bug fixes and improved reliability of other features in the application.

Ratings and Reviews

4.7 out of 5
273K Ratings

273K Ratings

RedAngels ,

Love this app!! BUT please bring back auto pay for credit cards!!!!

I absolutely love this app. I would never been able to save money without it. I have never been good at saving money myself but with the app taking out little bits of money I have been able to save a good amount of money. You can decide if you want to save a little or a lot and it knows if you don’t have very much money & it will only take out under $1. The algorithms are amazing at knowing when you can save more & when you can’t. 🌟The only thing I miss is it had a category to hook up a credit card & it would save every month for a credit card payment & pay whatever it saved to the credit card automatically. THIS WAS AWESOME!!👏 I was really getting my credit card paid down because it!! I know you can create a specific goal of saving to pay off a credit card but it doesn’t seem the same because I have to physically go in and transfer it to my card. I really wish they would bring that back. My brother turned me on to this app & I know he lived using that too. I would even be willing to pay more for that service. Other than that I have NEVER had any problems with not being able to get my money when I needed it, overdrafting my account, or taking more money than what it shows going into my savings goal. They are definitely on the up and up and I highly recommend them and have been using them since FEB 2020.

Developer Response ,

We're so happy to hear this! If you really miss our bill-paying feature please check out Direct, our intelligent checking account here https://waitlist.digit.co/ and learn more about how paying bills works here: https://digitdirect.zendesk.com/hc/en-us/categories/360005537751-Paying-bills-with-your-Direct-account. Thank you again and Please let us know if there is anything else we can assist you with!

Jecka_Lee ,

Best App for Saving Money!

I absolutely love this app. I downloaded it thinking I’d try it out but I was expecting to delete it like I have all the others. I honestly had forgotten about it until I checked my bank account and noticed I had a few bucks a day being deducted by digit. So I checked my digit account and was shocked that I’d already saved close to $100! I downloaded the app in May and between the rainy day account and the travel fund I started, I’ve saved almost $800! I don’t even notice the money being deducted since it’s just a few bucks a day. Here’s the best part - Digit let’s you set up a maximum amount for them to deduct daily but they do NOT deduct the maximum if you’re short on cash or if they notice it’s a time in the month when you’re usually paying bills. Sometimes they’ll only deduct maybe 50 cents or so. Also, you can tell them not to let your account get under a certain amount. I set mine to $10 and when my account dropped below that, digit transferred the difference using funds from my rainy day account. This is huge for me because sometimes I do get down to just a couple bucks right before my next paycheck. The $5 a month fee is worth it just for this feature alone. If you have trouble saving money or you’ve got a big goal to reach, give this a try. You’ll hit your goal without even realizing you’ve been saving money.

Developer Response ,

Thanks for the review Jecka! We're so happy to hear you saved almost $800 without noticing it, how incredible is that? You've totally made our day :)

uhlolwut ,

I absolutely LOVE Digit!

I discovered Digit back in March 2018 & I’d be lying if I said I wasn’t skeptical at first. A lot of the negative reviews made me very nervous to try it out when I first started out, but I’m a customer for life, now! Digit helps me make sure that I’m saving money, & I really don’t even notice the money that’s being taken out to be saved. I love how quickly I’ve managed to save money towards individual goals, as well as in general. It’s amazing how much you can save when your funds are being put somewhere that you won’t have immediate access to it. & if you’re concerned about withdrawing funds at any point in time, it’s an absolute breeze. The withdrawal minimum is really helps as well. I have mine set to $50, & they’ve never withdrawn money from my account when my balance is at $50 or below. They also won’t withdraw on weekends, which is always helpful because I can never get an accurate balance on my bank account until Mondays or Tuesdays.

Also I could rave & rave for days about the customer service. They’re absolute sweethearts & they’re more than happy to answer any questions you have for them. They don’t make you feel stupid or under appreciated. I would & DO recommend this app to anyone who has trouble saving or anyone who just wants a little help putting some spare money to the side for a rainy day. I promise you that downloading this app will be something you won’t regret!

Developer Response ,

Thanks so much for taking the time to share this feedback, we sincerely appreciate it! We're so glad to have won you over and that Digit has been able to help out with so much :) We'll definitely pass the recognition along to our support team as well. Thanks for being a part of the Digit family, save on!

App Privacy

The developer, Hello Digit, LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Financial Info
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


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