{"id":3876,"date":"2026-01-28T14:35:14","date_gmt":"2026-01-28T21:35:14","guid":{"rendered":"https:\/\/economicintegrity.org\/?p=3876"},"modified":"2026-02-11T11:25:41","modified_gmt":"2026-02-11T18:25:41","slug":"how-oppfi-traps-borrowers-in-unaffordable-debt","status":"publish","type":"post","link":"https:\/\/economicintegrity.org\/?p=3876","title":{"rendered":"How OppFi Traps Borrowers in Unaffordable Debt"},"content":{"rendered":"\n<i class=\"fas fa-newspaper\" aria-hidden=\"true\"><\/i> <a href=\"https:\/\/www.responsiblelending.org\/research-publication\/lost-opportunities-how-oppfi-traps-borrowers-unaffordable-debt\" target=\"_blank\" rel=\"noopener noreferrer\">Lost Opportunities: How OppFi Traps Borrowers in Unaffordable Debt<\/a> | CRL Research | <span class=\"submitted-date\">January 27, 2026<\/span>\n\n\n\n<br>\n\n\n\n<i class=\"fas fa-file-pdf\" aria-hidden=\"true\"><\/i> CRL | <a href=\"https:\/\/www.responsiblelending.org\/sites\/default\/files\/nodes\/files\/research-publication\/crl-lost-opportunities-jan2026.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">download the Full report<\/a> | <span class=\"submitted-date\">January 27, 2026<\/span>\n\n\n\n<p><\/p>\n\n\n\n<p>&#8220;Americans are struggling.&#8221;\u00a0<\/p>\n\n\n\n<p>&#8220;The cost of living is rising, and paychecks just aren\u2019t keeping up. For some, the month stretches further than the pay. One lender taking advantage of this situation is OppFi, otherwise known as Opportunity Financial, which makes short-term installment loans at up to 195% Annual Percentage Rate (APR).&#8221;<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.responsiblelending.org\/research-publication\/lost-opportunities-how-oppfi-traps-borrowers-unaffordable-debt\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Read more<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Lost Opportunities: How OppFi Traps Borrowers in Unaffordable Debt | CRL Research | January 27, 2026 CRL | download the Full report | January 27, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[4],"tags":[27,10,25,26],"class_list":["post-3876","post","type-post","status-publish","format-standard","hentry","category-predatory-lending","tag-affordability","tag-consumer-protection","tag-payday-loan-apps","tag-rent-a-bank"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - 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