Case Study: Moving Beyond APR

How Oportun Re-Imagined the True Cost of a Loan so Customers Can Thrive

The Financial Health Network Consulting Services

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Blood pressure by itself is not a sufficient measurement to describe your health; similarly, the Annual Percentage Rate (APR) as a sole measurement does not accurately describe the quality of a loan. Oportun, a community development financial institution (CDFI) whose mission is to provide affordable credit-building loans to Latinos, knows that. In partnership with the Financial Health Network, they have set about to understand and demystify the cost of credit that consumers face.