OPFI Hits 79% Auto-Approval Rate: Can Its Efficiency Rise Further?

Key Takeaways OppFi reported a record 79.1% auto-approval rate in 3Q25, up 230 bps y/y.OPFI posted $155M in Q3 revenues, up 13.5%, while expense ratios fell 490 bps, lifting profits sharply.OppFi credits Model 6 and a Model 6.1 refit, plus LOLA migration, for sustaining efficiency.OppFi (OPFI) registered a 79.1% auto-approval rate in the third quarter of 2025, up 230 basis points (bps) from the year-ago quarter. Behind this record-breaking number lies OPFI’s AI and machine-learning-fueled credit assessment ...