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  "documentTitle": "OppFi | Investor Presentation Deck | 25 slides",
  "authorId": "oppfi",
  "authorName": "OppFi",
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  "sourceTypeSlug": "investor_relations",
  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2022-05-01 00:00:00",
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  "pageNumber": 9,
  "pageCount": 25,
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  "slideType": "competitive_analysis",
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  "nDataPoints": 8,
  "notes": "The slide uses a bar chart to visualize the significantly lower APR of OppFi compared to traditional underbanked alternatives.",
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      "kind": "chart",
      "text": "Bar chart showing APRs for Bank Overdraft, Tribal Lenders, Payday & Title Loans, Lease to Own, Earned Wage Access, and OppFi.",
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      "text": "Simple interest, amortizing installment loans with no balloon payments\nNo origination fees\nNo late fees\nNo NSF fees\nNo prepayment penalties\nMarket-based offers provide options based on amount, interest rate, and term\nReport to the 3 major credit bureaus\nWork compassionately with customers who require payment plan modification",
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      "kind": "paragraph",
      "text": "Traditionally financing options for the underbanked have been limited, with exorbitant interest rates and poor customer service",
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      "text": "1. Credit Karma; based on average charge of $34 on average transaction of $24 to be repaid within three days\n2. CFPB; from 2017 lawsuit, the annual percentage rates for four tribal lenders' installment loan products was between 440% and 950%\n3. FTC and CFPB; based on title lenders charging average of 25% per month and typical two-week payday loan with a $15 per $100 fee\n4. FTC; based on $83/month, 12-month Lease to Own (\"LTO\") plan to purchase ~$500 item and $39/week, 48-week LTO plan to purchase ~$600 item\n5. Lend Academy; assumes $200 amount financed with $5 finance charge 7 days between the advance and employee's regularly scheduled payday",
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      "kind": "title",
      "text": "OppFi Advantage: The OppFi Approach to Lending",
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      "text": "Underbanked Option APRs",
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      "kind": "title",
      "text": "The OppLoan's Market Leading Terms",
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