Credit Rating Report

Oportun Issuance Trust 2022-A: Rating Report

Consumer Loans & Credit Cards

Summary

DBRS, Inc. (DBRS Morningstar) finalized its provisional ratings on the Class A Notes, Class B Notes, Class C Notes, and Class D Notes (together, the Notes) issued by Oportun Issuance Trust 2022-A (Oportun 2022-A or the Issuer). The Oportun 2022-A transaction represents the 20th term securitization of a portfolio of nonprime consumer loans originated through Oportun Financial Corporation's (Oportun or the Company) omni-channel distribution model. This is the fourth Oportun transaction that includes
Secured Personal Loans (SPL) that are secured by an automobile title.

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