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  "documentTitle": "OppFi | Investor Presentation Deck | 24 slides",
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  "authorName": "OppFi",
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  "presentationDate": "2022-08-01 00:00:00",
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      "text": "A Cheaper, Better Product for Non-Prime",
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      "text": "Bank Overdraft: ~17,000%\nTribal Lenders: ~450%-950%\nPayday & Title Loans: ~300%-400%\nLease to Own: ~100%-300%\nEarned Wage Access: ~130%\nOppFi: ~59%-160%",
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      "text": "OppFi",
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      "text": "Simple interest, amortizing installment loans with no balloon payments\nNo origination, late, or 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\nTurnUp program helps consumers find most affordable loan even if that option isn't with us",
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      "text": "Average Loan Amount ~$1,500",
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      "text": "Average Term ~11 Months",
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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 paydate",
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      "text": "OppFi Advantage: The OppFi Approach to Lending",
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      "text": "OppFi Market Leading Terms",
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      "text": "Underbanked Option APRs",
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