# Oportun: Savings & Loans — user reviews > 523 indexed App Store user reviews of Oportun by Oportun, Inc, rated 4.70/5 from 289,183 ratings. - Source: https://appshunter.io/ios/app/oportun-savings-and-loans/id1011935076/reviews - App overview in markdown: https://appshunter.io/ios/app/oportun-savings-and-loans/id1011935076.md - Rating breakdown: 5★ 255,301 · 4★ 15,640 · 3★ 5,151 · 2★ 2,192 · 1★ 10,899 ## What do users think of Oportun? Overall sentiment: neutral **Pros** - 💰 Helps save money - 🤖 Automated savings - 📊 Provides financial insights - 🤝 Good customer service - 🎉 Reached savings goals **Cons** - 💸 Excessive/random withdrawals - 🕰️ Slow transfer times - 🚫 Difficulty closing account - 💳 Overdraft fees - 💰 Monthly subscription fee **Commonly reported bugs** - Connectivity issues with bank accounts - Incorrect account balance updates **Most requested features** - Instant transfers - Customizable withdrawal limits - Integration with other financial apps - Bill payment automation - Improved account monitoring ## Newest reviews (13 of 523) ### 3/5 — Disconnects frequently *2026-08-11, version 4.159.0* I love the concept for set it and forget, I’ve saved a lot more without thinking or noticing which I love. My gripe is that it frequently disconnects from my bank account, every few weeks. This has been going on the 1.5 years I’ve been using the app but the frequency seems to be more recently. ### 4/5 — Fast and Easy Loan processor *2026-08-09, version 4.159.0* They approved me $500 but then when i connected my bank account, they gave me $2500 and loan process was only for 30 minutes and boom money in your account ### 5/5 — It helps *2026-07-27, version 4.158.0* Love this app ### 5/5 — Great savings app *2026-07-27, version 4.158.0* This app has helped me save money. I don’t know what I’d do without it. ### 3/5 — Savings graph *2026-07-25, version 4.158.0* I've been asking for a savings graph for years and what do we get. Spending graph lol. My goal is to save. ### 5/5 — Excellent investment! *2026-07-20, version 4.158.0* Very helpful on managing your money! While the banks say they help you with your money, we know that is a lie! They are not like Oportun! They tell you what they are doing with every cent & they tell you where it go. ### 5/5 — Love my Oportun *2026-07-20, version 4.158.0* Love this opportunity to partner with oportun. ### 2/5 — It was great until it wasn’t. *2026-07-16, version 4.158.0* This app has been debuting more from my bank account then it reflects. I’ve requested transaction history and provided screenshots and I’m being ignored. *beware* ### 5/5 — Great Savings Tool loving it. Have managed to save well beyond my expectations. *2026-07-14, version 4.158.0* Saving money with Digit is so smooth and seamless. I absolutely love love it. ### 5/5 — Le doy 10 estrellas el interes es es perfecto y esta app te inspira a ahorrar y superarte *2026-07-14, version 4.158.0* Esta app me aprobó rápidamente 1000 dólares y el interés quincenal es muy bajo lo recomiendo al 100 y me motivó muchísimo el gran consejo que dá para ahorrar y superarse en la vida ningún banco te motiva tanto como este ### 5/5 — I recommend this app to every single person I know *2026-07-11, version 4.158.0* I’ve had this app for yeeeears and it’s the only way I can save up for rent, trips, bills, literally anything. I had a hard time saving since I was always spending, now I know exactly where and when my money is going. I will never delete Oportun! ### 5/5 — Wonderful! *2026-07-11, version 4.158.0* I am over 50 years old I have never been able to save a penny, I literally live paycheque to pay check, with Digit I actually have a savings account! I am so happy and I don’t even notice because I don’t see the balance all the time so I don’t think of it as a place I need to go to to take the money out to pay bills! Thank you digit! ### 2/5 — Good content terrible execution *2026-07-10, version 4.158.0* This is a terrible app ## Most critical reviews (10 lowest-rated) ### 1/5 — Great app - when it worked *2026-08-30, version 4.162.0* I’ve used this app for quite a while. Loved it. It saved me a lot of money. However, it will not stay connected to my bank account anymore, no matter how many times I reconnect it. Cancelled my subscription because it’s useless now. ### 1/5 — Terms and conditions *2026-08-20, version 4.161.0* I I’ve been using this app for a couple years now. I just had to reconnect my bank account and I read their terms and conditions. It basically gives them full access to all your transactions and anything in your bank account from a third-party. I’m not sure if this is something new or if I just didn’t know about it. If you do plan to connect your bank account READ THE TERMS AND CONDITIONS!!!!!! I feel really bad about this review because I have used this app for a very long time. ### 1/5 — Customer Service *2026-08-17, version 4.161.0* I used Oportun somewhere between 3-5+ years and enjoyed the app and had saved a considerable amount using the app. All of a sudden the app disconnects from my bank and I tried to re-connect it didn’t work. Turns out it was something technical on Oportuns end. I expected someone to take the time to understand my situation and explore options with me. Instead I felt as if I were left to figure it out on my own. What’s more frustrating is that after voicing numerous concerns zero help was ever offered. Even if there were limitations on what Oportun could assist me with, I would have appreciated someone explaining what my options were and making a real effort to assist me. Good customer service should be a forefront of any business. Unfortunately that was not my experience and I would have a hard time recommending this app to others. ### 1/5 — Stole my money *2026-07-25, version 4.158.0* This app randomly took 800+ dollars out of my account. Disconnected my bank account then told me the only way I can get my money back is if I send proof of residency so they can mail me my money. I send the proof of residency and now they are telling me they can’t find the transaction and how much was taken out because my bank is no longer connected. Please stay far far away from this app. It’s been a month and I still haven’t received my money. And my family is struggling to eat. Disgusting. ### 1/5 — Bank won’t connect for months *2026-07-21, version 4.158.0* I’ve been using this service since it was Digit, where you could link your account, set up auto pay for phone, credit cards, car, etc and it would monitor and save and make the payments for you. Honestly so cool. Ever since becoming Oportun, things have been going downhill. They don’t do auto payments anymore, prices are okay I guess, and I’ve been having WAY more technical issues which is my main reason for closing my account after so many years. I truly LOVED this app and told friends about it. ### 1/5 — Customer since 2017, but the app has become less flexible and cancellation has been a nightmare *2026-07-13, version 4.158.0* I’ve used this app since 2017 before it was called Opportun, and it used to work exactly as advertised: it would quietly move small amounts of money that I barely noticed, and over time I’d end up with a meaningful amount saved. One of the best features was being able to tell the app to “save less” or “save more,” and it would adjust future withdrawals accordingly. That gave me some control while still keeping the automated savings working in the background. That option now seems to be gone. Instead of being able to reduce the withdrawal amounts, the only option is to pause saving altogether. I’m a single dad of two and I live paycheck to paycheck, and the cost of living is astronomical right now. So when this app withdraws around $40–$50 every day, I frequently find myself transferring money back. I believe the $0.99 “instant transfer” fee is a reasonable convenience cost, but only if I have some sort of control over how much this app withdraws each transaction. The most frustrating part has been trying to cancel. I went through the cancellation process in the app, made an instant withdrawal, and arranged for the remaining balance to return to my bank within the stated several-day timeframe. Despite that, the app continues withdrawing money. It now says my subscription will not end until October 15, 2026, and I’m apparently expected to continue paying $5.99 per month until then. There is also no longer an option in the app for me to end the subscription the way I previously did, so I’ve had to email customer support to try to resolve it. This used to be a genuinely useful and flexible savings tool. When things were tighter financially, I could fine tune it all the way down to take $1-2 per day. Now this app disregards and effectively penalizes people like me who aren’t financially secure. What makes this even harder to justify is that banking used to work the other way around: customers deposited their money, banks used those deposits to make loans and investments, and customers earned interest in return. Now so many financial services charge people for the privilege of holding and using their money. I’m giving you access to my money, along with millions of other customers, so you can earn money from it—and then I’m paying you too. That makes no logical sense to me but that’s what we’ve come to accept as normal apparently. ### 1/5 — Not a free service *2026-07-11, version 4.158.0* Disappointed that I was promoted to pay for this service after going through onboarding. No in-app options to delete my account data either. ### 1/5 — Changing accounts *2026-07-03, version 4.157.0* It seems literally impossible to close one account and add another, I received an email saying my new account was added but the app still says bank disconnected, got to do better ### 1/5 — Deceitful *2026-07-02, version 4.156.0* I have a 700 credit score working full time and they denied my loan when I’ve never had anything bad on my credit history. It’s truly a waste of time don’t go here ### 1/5 — DO NOT USE! *2026-06-10, version 4.155.0* I was suddenly locked out of my account without warning and neither my password nor Face ID worked. Customer support only provided generic troubleshooting steps (reinstall app, update, try another device, check Wi-Fi), none of which solved the issue. I was then locked out again for 24 hours. Communication with customer service has now been going on for a full week VIA EMAILS and I still cannot access my account or my funds!!! The password reset link they email you is also only valid for 1h, which is completely impractical when you are at work and cannot constantly monitor your emails. There is no flexibility or proper support for urgent account access?! There is no phone support, only email back-and-forth with no resolution. This has been extremely frustrating and unacceptable for a financial service. Wish I have never trusted them with my money. I need to pay urgently my mom medical bills and I can't access my funds for a WEEK NOW!!! ## Most praised reviews (10 highest-rated) ### 5/5 — The best *2026-08-31, version 4.162.0* All I can say this is the best app ever to save money. Love love thanks to my late son who told me about this. He knew mommy needed help saving money ### 5/5 — Great for Saving! *2026-08-29, version 4.162.0* Man all I can say is I Love this app!, I forgot I downloaded it a few weeks ago and I was shocked by how much money I had saved! ### 5/5 — Great Way to Save for different options! *2026-08-23, version 4.161.0* I really like the opportunity to set goals and save for multiple things. This app is very helpful with my goals. Highly recommend. ### 5/5 — Positive Vibes Only *2026-08-20, version 4.161.0* Easy app to use ### 5/5 — Opportun is a Nice Save *2026-08-19, version 4.161.0* I have had this for years, would and will recommend this because I trust the way they operate even though their is rocket money this app is made for saving for your goals or saving on the side, it literally takes a few dollars for each goal each day and by the time you hit next month your like “ W T F!! I have this much money saved?!,!” Also just a note might have found a big issue glitch that needs to be addressed asap When you permanently delete a goal with money, the money disappears ### 5/5 — Thanks *2026-08-11, version 4.159.0* Thanks ### 5/5 — Great way to save *2026-08-07, version 4.158.0* The way that the funds are removed makes it less painful ### 5/5 — Best way to save money *2026-08-03, version 4.158.0* I do not do reviews but this app has helped me so much money! I love it!! The only thing I wish I could do is open another account for my joint account that I have with my significant other. I have not gotten along with them. I only use the portion of the app that helps me save money without me having to think about it. I’ve looked at other money, saving apps, and nothing compares to this one. ### 5/5 — Easy peasy *2026-07-31, version 4.158.0* So easy to save and never overdrawn ### 5/5 — Phenomenal *2026-07-29, version 4.158.0* I love this App because it really helps me save without even thinking about it nor remembering to transfer every week. Thank You --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-09.*