Top Consumer Lending Startups in 2027

Oportun (Formally Progreso Financiero) is a mission-driven, high growth financial services company providing credit-building, affordable loans that help the financially underserved Hispanic community build a better future. What Makes Oportun Unique? Our Platform: We’ve built a technology platform that enables Oportun to quickly assess an applicant’s likelihood to repay a loan, even those who do not have a credit score. Why Join Oportun? At Oportun, we have a great opportunity to expand the access of our product offering to the community we serve by shipping more innovative technology. In addition to your technical prowess, the most important attributes we hire for are accountability + culture fit. We are a tightknit team that loves to ship, have fun and who genuinely care about each other… so if you love to work in a high-performance team, this is the place for you.

SoFi is a new kind of finance company taking a radical approach to lending and wealth management. From unprecedented products and tools to faster service and open conversations, we’re all about helping our members get ahead and find success. Whether they’re looking to buy a home, save money on student loans, ascend in their careers, or invest in the future, the SoFi community works to empower our members to accomplish the goals they set and achieve financial greatness as a result.

Pagaya has forged a new approach to alternative, data-driven investment management in the fixed income and alternative credit markets through the development of a proprietary technology suite including advanced machine learning technologies and big data analytics. We serve a broad range of institutional and high net-worth investor markets including banks, pensions plans, foundations and private wealth

Founded in 2005 as the first peer-to-peer marketplace lending platform in the U.S., Prosper was built on a simple idea: connect people who want to borrow money with those who want to invest. Since inception, Prosper has helped more than a million people gain access to affordable credit with over $19 billion in loans originated through its platform. Our mission is to help our customers advance their financial well-being through a variety of products including personal loans, home equity lines of credit (HELOC) and the upcoming launch of our first credit card product. Our diverse culture rewards accountability and cross functional teamwork because we believe this encourages innovative thinking and helps us deliver on our mission. We’re on a mission to hire the very best, and we are committed to creating exceptional employee experiences where everyone is respected and has access to equal opportunity. We realize that new ideas can come from everywhere. It is important to us that every hire connects with our vision, mission, and core values. Join a leading fintech company that’s democratizing finance for all!

At Snout, our mission is to ensure no one ever has to make a healthcare decision for their pet based on the money in their bank account. As a modern financing alternative to traditional pet insurance, Snout wellness plans cover 100% of routine veterinary care like vaccinations, unlimited visits, and other valuable member benefits — designed to be used, not forgotten. We help pet owners prioritize care while removing financial risk for veterinary practices.

Voted #1 "Best Places to Work" by the Phoenix Business Journal, Achieve is a leader in the digital personal finance industry built to help everyday people thrive. From the single parent trying to catch up on bills to the entrepreneur trying to make their dreams a reality, we provide innovative, personalized financial solutions to move them towards a better financial future. By focusing on each individual to understand what’s working for them and what’s not, we tailor an approach to meet their specific needs and goals. Then we add in our data and intelligence, our innovative technology, our unique solutions, and an empathetic human touch to help our members move their finances forward. We put our members first and treat them like humans, not account numbers. Our people make the biggest difference. With more than 2,500 teammates between California, Arizona, Florida, and Texas, everyone collaborates together to make an impact towards our mission; to empower everyday people to move forward on a path to a better financial future. We’re committed to fostering an environment where everyone can belong, while giving their true authentic selves a place to shine. Whether you’re in sales, member support, engineering, product design, IT or any of our other exciting roles, you’ll join a team passionate about serving our members and embracing our core values every day: Care (For everyone) Get Better (Every day) Act With Integrity (Every time) Collaborate (With everyone)

We believe everyone deserves a chance to improve their financial future. We’re dedicated to building simple and inclusive financial products that help our members create healthy habits and achieve economic stability. Some things we’re excited about: • $500 million in spending power used by our members • Increasing members’ credit by 32 points (on average) within the first 3 months • Backed by First Round Capital and JP Morgan Products we’ve built to make an impact: • Perpay Marketplace: Combines interest-free payments and modern e-commerce to reduce cost of ownership and promote healthy repayment behavior. • Perpay+: Leverages Marketplace repayment history to help members monitor and build credit with all 3 credit bureaus. • Perpay Credit Card: Expands access to the flexibility and benefits of a World Mastercard by removing common barriers like high security deposits and low approval odds. The Perpay team is a motivated group of creative problem solvers who love getting things done and making an impact. We’re hiring and would love for you to join us! Check out our careers page to learn more.

Americans have more debt than they do savings. We believe that debt shouldn’t hold people back in life, so we started Spinwheel to democratize intelligent debt solutions. Spinwheel provides the core infrastructure that popular apps and services can use to embed the payment, management, and application of loans. By increasing access, choice, and transparency, Spinwheel helps to alleviate the burdens of living with debt and improve outcomes for all borrowers. Spinwheel makes it easy to offer full-featured debt use cases in any app or service, starting with student loan debt. Read and write consumer debt API's and drop-in modules offer robust and comprehensive capabilities not available anywhere else. As the leader in embedded consumer debt tech, our customers launch in hours with our no-code drop-in modules and build custom solutions quickly with our modern APIs and developer tools.

Borrowell helps people make great decisions about credit. It is Canada’s leading credit education and financial services marketplace, with over 800,000 members and nearly all the country’s large financial institutions on the platform. Borrowell was the first company in Canada to offer credit scores for free and recently launched an automated “Credit Coach” to further help users improve their financial well-being. The company has received significant recognition, including being named to the Fintech 100, a list of the top 100 fintech companies globally compiled by KPMG, “Fintech Startup of the Year” at the 2018 Canadian Fintech and AI Awards, a finalist for “International Innovator of the Year” by LendIt, and a “Great Place to Work” in Canada.

Our team combines financial experts, data geeks, mathematicians, computer scientists, and software engineers all working together to make fair and transparent credit available to everyone. We have designed a robust, scalable and unique all-in-one lending platform that can manage multiple products such as personal loans, lines of credit, auto loans, mortgages, point of sale financing and many others. Visite brainfinance.com