Oportun - Save, Borrow, Budget Positive Reviews

Oportun - Save, borrow, budget App User Positive Comments 2024

Oportun - Save, borrow, budget app received 22 positive comments and reviews by users. Can you share your positive thoughts about oportun - save, borrow, budget?

Oportun - Save, borrow, budget for Positive User Reviews

✓ Late Review but Much Needed.Digit has been a part of my financial apps since before quarantine started. But being able to have piece of mind and know that my money is in a safe, secure space is amazing. I dislike the fact that you can’t withdraw same, next-day or weekends without paying a fee so I do suggest the Digit app developers look into it, but other then that: amazing. I’ve had 20+ Digit savings goals open at once, and closed them when they were no longer useful but the app is truly amazing. With the new updated interface allowing me to see my total saved money on the Home Screen is incredible, but I have a few gripes with some of the features: if I have a recurring savings goal, I think I should be able to make that an option and withdraw so my funds are available on the day I need them without many issues. I also think being able to have the ability to hold as much money as I’d like in one Digit account.. because if I have to have multiple it kind of ruins the convenience of the app. I also think that I should be able to set up a set amount the app takes from my account per day, per week or per month, since the amount is variable depending on the goal. Other then that the app has been wonderful, one of the best apps I’ve ever been able to use and it helps me with my financial independence..MaddenGod5Version: 3.108.0

✓ Great habit to have when you’re a college studentI’ve been using Digit for a year or so now and I really love it. I have the credit card paying feature on and it’s pretty great. It is like a nice little extra payment to my credit card bills on top of what I already pay. I also love the texts that I get every morning about my account balance because it helps me be more aware of my spending and budget. I love just being able to open the account and be happy that I saved $x without even realizing it. Even if they take little amounts daily, when it accrues, it can be a nice fund to have when you least expect it. I think a lot of these new reviews that give one star are pretty unfair. Most of them seem like communication issues with their bank because I’ve never had much issues. Also, I think $2.99 is fair for the service they do. People can’t expect everything in life to be free. If what you’re saving is not or barely $3 a month, then I think that’s a personal finance issue that you should be focusing on, not the app charging “unfairly” but that’s my opinion. The only thing I would say could use improvement is if they can update my checking account balance closer to real time because sometimes it’s delayed and shows either yesterday’s balance or something..TranTracyVersion: 3.6.0

✓ It’s AlrightIt’s an okay saving app. It takes away seemingly change almost everyday. How much it takes out depends on how much is in the account, which I like. There’s two things I don’t like. One, you can only connect to accounts to it. I would like to be able to connect my checking and savings account so whatever it takes out of the checking, it would automatically be transferred to the savings. It would’ve been more convenient and I don’t trust having my money in an offshore app. However, I could transfer it back to my checking account and manually transfer the money into the savings. Another thing I didn’t like was the monthly subscription. I wasn’t aware that there was subscription; it wasn’t made known. After a month, I noticed $3 taken out of my account and realized it wasn’t part of the money saved up, so I disconnected my account. I find it kinda stupid to be charged $3 for having my money being taken out for savings. Others probably don’t care, but I do. Overall, I did like the app. It texted my everyday at the same time about my balance and how much it took out sometimes. I ended up saving $20 the past month, which is a plus..Srmu22Version: 2.72.0

✓ Helpful and easy to useI’ve had Digit for over eight months now, and could only be happier if it had just one more feature: to show if I’m ahead or behind my goals. Any time you create a goal, you can select a particular amount and an optional target date. It predicts how much you’ll need to save each day to meet that goal on time, BUT there’s also a tool for a maximum daily amount if you don’t want it to be regularly taking chunks. You can manually add amounts when you’re ready, and can withdraw at any time, with a $.99 fee for immediate transfer or free overnight transfer. I’ve been on three trips now using Digit to save up and really appreciate how easy it makes to save. It’s also satisfying seeing the progress bars approaching the goal. I just wish there was a marker line to show if I’m ahead or behind schedule on deposits to make the goals on time. For example, I have goals that predict needing to save $5/day, but I set the maximum daily amount to $1, and make manual deposits of $25 or $50 on paydays. I’d like to be able to compare the current amount to the benchmark for where I should be given the goal date..No1MournsTheWickedVersion: 3.34.0

✓ Budget efficientI've been using Digit for months now. Primary reason is to help me save- which it does. I put my bill money aside into the goal accounts and it auto withdraws when I need it- although withdrawal time frame takes 1-2 business days so you may want to withdraw sooner then the payment date of which you are saving for. I see people upset bc it "takes money from their bank account" but thats how it helps save. If you read the rules of it- it transfers the money from your bank account to your digit account so the money doesn't go to them- it goes towards your savings. There is a monthly fee for the app after the first month of $3 but thats just about it, I believe. I love using this app to help organize my finances & my rainy day savings just keeps going up! Very well comes in handy whenever I need it since its just an extra savings with no purpose other than when you need it. If you know how to read about the app before you download & get into it- I would highly recommend the app so you know how it works. Otherwise you'll most likely get confused..July-CaitlyneVersion: 2.98.0

✓ Second chance?I’ve been a formal member on this app. Saving little by little, saving big amounts for my own savings. unfortunately, it’s very hard to know if it’s been transferred or not, also taking money even if you’re under. I’m under more than I saved making me lose money. I have to withdraw all my cash out of the app and it still couldn’t cover my debt. I’m not saying it’s an terrible app yet they could’ve just let the member know “clearly” that it finally went though or let them know that it’s still pending before they purchase anything. Nonetheless, it just takes forever to put and withdraw money on this app, easily making you go under. Updated: I still believe this is not a terrible app to save money, I just assumed everything will be instance. To any newcomers on this app, make sure you Always check if you’re money finally makes it to digit BEFORE you purchase anything pricy, and don’t be afraid to only add little by little, the key to saving money is not just putting large amounts into it, but to keep putting anything little constantly- which actually, Digit does that for you. No problems so far. I’m giving this app a second chance :).Kidd_SlyVersion: 2.39

✓ Not perfect but works for meI have used Digit for one year now and have saved over $1200. This is huge for me. I’m a spender not a saver. I like how it takes out a “random” amount of money because I don’t have to figure out a set amount to take out which may or may not work for me depending on the week. One problem I have had is it has gotten a little over excited a few times and saved a big chunk, over $50, which is usually when I’m stockpiling money to pay a big bill coming up. After contacting customer service (which has been great) I was told I can pause savings when something like that is coming up until after the bill is paid then I can unpause to resume saving. I haven’t used this feature yet as I decided to stockpile in an account not accessible to Digit instead, that’s been working fine and I haven’t had any scary surprises since then. They do take out money more than once a week which can be unnerving. Overall though I’ve been very pleased with this app and it has worked wonders for me. I will continue using it..FL HomeschoolieVersion: 2.23

✓ Pleasantly SurprisedI have only been using Digit since last month and it has already saved almost $350 from my checking account! I would see the withdrawals from my checking account, but otherwise I put the app out of mind. I decided to check the balance today and was pleasantly surprised with the amount saved already! The savings is the best feature about this app, but there are two more impressive features worth noting. First, it sends me a text every day telling me good morning and most of the time it’s in a different language. How fun! The text also tells me how much money was in my checking account the day before, and how much is in there that day. It includes a link to view recent checking account activity, but I have not used that feature as of yet. Second, Digit has a low balance protection feature and I set mine at $25. This means that Digit will not take any money out of my checking account if my balance is less than $25. But I found something else out yesterday. Digit also transfers money from the app to my checking account if my checking account balance drops below $25! Love it!.Non traditionalVersion: 2.42.1

✓ Easy way to save moneyA couple reasons why I used this app to help me save. I was trying to tighten my budget and save for a last minute trip. This app set small amounts of money aside for me and it wasn’t really noticeable. I also like the fact that you can set balance limit on account digit withdrawals from. When your account gets too close to a balance you set Digit will not withdraw anything. You will even get a message, “if I withdraw anything today your account might go below your safety limit”. I think it’s called a “safety limit” Con: you’re charged, I guess an “administrative fee” for each account you set up. Example, if you have a vacation fund or a Christmas fund you are charged per fund $5 monthly. Most banking institutions have vacation and Christmas funds you can deposit into already. I was trying this out because I wouldn’t have the easy access to the money. It worked and I was able to reach my saving goal in 5 months without feeling a strain in my daily living. So for me short term saving goals are best so your fees don’t amount to much.513reviewerVersion: 3.109.0

✓ Amazing and helpfulI love Digit. It had helped me so much. Not only to save money but to kill my credit debt. I never realize when it’s taking money and just recently I’ve been terrified of how my credit debt has been looking because I work paycheck to paycheck so I can’t afford to pay off my debt. But because Digit automatically saves me money, it saved and paid $123 to my credit debt and I didn’t even know it had saved that much money! Digit is literally saving me without my knowledge. I need a good credit score because I’m trying to move as well as trying to buy a car in the 🤞🏼hopefully🤞🏼 near future! And I will be honest, I have pulled a LOT of money from Digit. I probably would have had over $1,000 saved if I wasn’t so stupid with my money 🤣 so I say get Digit and IGNORE IT if you’re bad at saving. It will help and it’s totally worth it in my opinion. I currently have $153 in my “Rainy Day” savings and will use that to help with a deposit when we move, and by then I should hopefully have at least $200 saved up ☺️ thank you Digit for saving my life and my money..Chris-croftVersion: 3.8.0

✓ Love it!I love this app, it’s saved me over 5K without me even having to break the bank. Yes they have a monthly fee, but you save a lot more and they give you every 90 days 1% of what you saved. So it’s almost like you’re making your fee back. But, the one thing I don’t like is the algorithm they have for saving money. I had $800 in my actual account where they take it out from, the entire time I had this app (Jan 1st) they haven’t taken out more than $5 each time for all three accounts I have, so more than $15 a day. That’s fine, it’s usually never more than that. But today, for some odd reason, they took out $24 for two accounts and $18 for one. LIKE JESUS! I had my car payment go through and some others that haven’t been taken out of my account but I thought it was fine since they have never taken that much out of my account. For now on when I have my car payment and anything else that is a large payment I’m going to have to suspend the savings for a couple days till they can take my payments out, or just manually take out the savings. It was freaking crazy to see that be saved. And I can’t put it back into my account since I get paid on Friday and it takes multiple days to even get the money when you withdraw it. So watch out on that y’all. I was shocked!.Becky sue.Version: 2.29

✓ Great beginners guide to finance !Digit has been one of the easiest and convenient to use to help me learn how to budget really fast . Because I pay for college out of pocket, saving up for tuition without killing my spending and trying to cut all expenses was way overwhelming and frustrating. I set up a “rainy day fund” and a travel fund, rainy day was for tuition and travel fund is to save for any field trips / business trips for work and for 3years budgeting became very easy! I’d have to check my bank to make sure I’m not overdrafting every month, but it made a great job determining how much to save every week! By the time I had to pay my tuition every 6 months I didn’t even dent my bank account and it was so relieving that I had money left over to still eat out or treat myself. :) Now that I’m close to graduating I’m realizing the only the only thing I missed out on was accruing interest and building credit but now that I’m in my mid 20s I’m gonna start focusing on that. The savings bonus is not enough to make up the monthly fee anymore, but I finally graduate university without any debt and that was totally worth the initial cost. Thanks digit!.BlimpeysVersion: 2.82.0

✓ I absolutely LOVE Digit!I discovered Digit back in March 2018 & I’d be lying if I said I wasn’t skeptical at first. A lot of the negative reviews made me very nervous to try it out when I first started out, but I’m a customer for life, now! Digit helps me make sure that I’m saving money, & I really don’t even notice the money that’s being taken out to be saved. I love how quickly I’ve managed to save money towards individual goals, as well as in general. It’s amazing how much you can save when your funds are being put somewhere that you won’t have immediate access to it. & if you’re concerned about withdrawing funds at any point in time, it’s an absolute breeze. The withdrawal minimum is really helps as well. I have mine set to $50, & they’ve never withdrawn money from my account when my balance is at $50 or below. They also won’t withdraw on weekends, which is always helpful because I can never get an accurate balance on my bank account until Mondays or Tuesdays. Also I could rave & rave for days about the customer service. They’re absolute sweethearts & they’re more than happy to answer any questions you have for them. They don’t make you feel stupid or under appreciated. I would & DO recommend this app to anyone who has trouble saving or anyone who just wants a little help putting some spare money to the side for a rainy day. I promise you that downloading this app will be something you won’t regret!.UhlolwutVersion: 2.25

✓ Best App for Saving Money!I absolutely love this app. I downloaded it thinking I’d try it out but I was expecting to delete it like I have all the others. I honestly had forgotten about it until I checked my bank account and noticed I had a few bucks a day being deducted by digit. So I checked my digit account and was shocked that I’d already saved close to $100! I downloaded the app in May and between the rainy day account and the travel fund I started, I’ve saved almost $800! I don’t even notice the money being deducted since it’s just a few bucks a day. Here’s the best part - Digit let’s you set up a maximum amount for them to deduct daily but they do NOT deduct the maximum if you’re short on cash or if they notice it’s a time in the month when you’re usually paying bills. Sometimes they’ll only deduct maybe 50 cents or so. Also, you can tell them not to let your account get under a certain amount. I set mine to $10 and when my account dropped below that, digit transferred the difference using funds from my rainy day account. This is huge for me because sometimes I do get down to just a couple bucks right before my next paycheck. The $5 a month fee is worth it just for this feature alone. If you have trouble saving money or you’ve got a big goal to reach, give this a try. You’ll hit your goal without even realizing you’ve been saving money..Jecka_LeeVersion: 4.4.0

✓ I LOVE DIGITI downloaded digit a couple of months ago, and not only did it help me save money but also helped me keep track of my spending. It texts you every morning with a clever greeting, followed by your checking account balance and how much you spent the day before. It really puts into perspective how much you truly spend every day, which personally made me realize how much of that was unnecessary. I’ve been much more frugal and responsible with my funds thanks to digit. However, I do have one complaint. When you finally decide to withdraw your savings from digit, it takes FOREVER for it to go back into your checking account. For example, I tried to withdraw money on Thursday, it is now Saturday afternoon and it is still pending. I have no access to that money. I understand that banks are closed today, but digit was able to take money from my checking account yesterday (Friday) to add to my digit savings, so why couldn’t they have completed that transfer? It’s upsetting because I use this money sometimes to get me through between paychecks, and to not be able to access it when I need it feels like someone else is in control of my money. Other than that, GREAT APP! With some more work it will be awesome..AcrylicchickVersion: 2.28

✓ I’ve saved a lot!The app is great and very straightforward! Very User friendly; if you know the basics of it. I didn’t know about the subscription fee yet, I should have read more but, I was okay with it. The value and services it gave to me is another favorite. You can set how much you want to save or stop saving. It lets you know how much was withdrawn or deposited into your account within 24 hours through text message. You can text it back to stop saving for certain days in the actual app, that’s if you’re running low on funds; which is great! The coolest part is, if you let the app know a certain amount your bank account should be and, it falls under that, the app will start taking funds you’ve saved to put back into the account to help from falling under that fixed amount you’ve set, even being overdraft to keep your money on track. I’ve never had a issue with it holding on to my money. It takes 1-2 business days to get the funds back and it’s longer when processing it on weekends because of the banks automated systems. It’s been an great saving app for me..Lots of ads but, it's good.Version: 3.36.0

✓ LOVEI’ve had this app since 2016 before they even started charging for it and I was more than happy to pay the subscription fees once they began to collect the 2.99 a month. I’m pretty good with saving but this app takes it to a whole new level. It’s so nice when I’m taking a look at my financial standing in my regular bank accounts and then I remember to look at my digit account to see that there’s all this money that I’ve had out of sight and out of mind. It really takes my saving to a whole new level and I don’t even have to think about it 😊 this would be great for someone with less discipline with saving too. You just can’t look at the app too often and you’d be surprised how much money will accrue in just a few months time. I love the student loan feature that they’ve added as well. I’m still in school so there is more flexibility for when I’m paying for it but it’s so nice that I can look and see that I’ve paid hundreds towards my interest and i don’t even miss the money paid since the increments are so small. Genius idea that I’ll gladly keep around forever!.Josieeee228Version: 3.83.0

✓ I am really impressedI turned 18 a month ago and I’ve been trying to save money for things I want to be able to do. The only problem is I could not find the time to do transfers at my bank from day to day basis on areas I felt safe putting money in without taking to much out. Sure you have to wait a business day or two for the transaction to go through but it is worth it. I am amazed at how easy it is to go to the help area and read more to learn about what goes on and could not be more happy with my decision. I don’t care that it cost 5 dollars a month for automatic savings it is going to be worth it in the end and I look forward to using the app. Also for anyone that is concerned about what goes on in the app just go to the help center and it has categories for pretty much any question you have. So even if you are scared to try it don’t be I personally feel safe knowing that they can protect my money and my bank account. I highly recommend for people that are just now starting to get into the adult life and need help saving and learning. I hope you find this app as useful as I do..Connor BowlingVersion: 3.80.0

✓ Must Have AppI never review apps but this one deserves a good review. Digit is my all time favorite app and has saved me so much money in such a sort amount of time. The app is extremely user friendly and truly, once you set it up, you really forget about it. I love how the apps only takes out funds it knows I will not need and when it recognizes that my account is low, it automatically deposits some of my saved money back into my checking account. For only $5 a month, all of my money is FDIC insured and my savings earn a 0.10% savings bonus which is nice! Another AMAZING feature is the automatic Credit Card and Student Loan payment feature. Rather than taking money from my checking account and putting it into savings, Digit will automatically route that money to my Credit Card payment and Student Loan bills saving me hassle in the long run and shortening my repayment plan! Truly, I cannot say enough good things about this app and I recommend everyone give it a try. If the $5 a month doesn’t seem worth it to you, I believe they offer a free trial that you should take advantage of because once you get a taste of how much you can save, you’ll gladly spend that $5 every month. To put it into perspective, Digit saved me $1,000 in just a few months by slowly taking out $3 here, $10 here, etc. and I never noticed it missing from my account!.Anonymous9900Version: 3.88.0

✓ Must have in your life!!!I have seriously tried every single savings app, i have one of the worst and i mean WORST spending problems of anyone i’ve ever met making it horrible to try and save money and this happy literally just changed my life. I needed to save about 1,600 and i put in all the info on the app and kinda just forgot about it, (to be honest i just didn’t think it’d work so i left it alone). Then just now literally as i’m laying in bed checking my bank transactions i see that Digit had taken from my account. So i go to the app and it had a balance of like $215 or something and i realized that was my savings. every day Digit takes a little money out of your account and it takes an amount based off what you have in there and what your expenses are and puts it away. it also gives you how many days until you reach your goal (mind was 44 day) but i mean 6 weeks that’s not that bad when it does it all for me. it feels like i just wait 6 weeks and then my reward is $1,600!! i highly suggest this app if you have a savings problem, i’m excited to see how this works out..VhghuhhvVersion: 3.66.0

✓ 5 year anniversary, ILYSMMy 5 year anniversary with Digit is coming up and I will never give this app up. I highly recommend this app to anyone just starting their savings journey who needs a little extra help (college students, fresh grads, etc) or seasoned savers looking for another spot to park some extra funds. I like to joke that it “steals” my money, but in the best way possible. It swipes little by little, change you wouldn’t notice, and saves it for you. This app has saved me on rent and bills more times than I can count. It sends daily texts about my bank balance which helped me notice a fraud charge and get it handled immediately. The saving algorithm really knows my habits and my bill schedule and never takes more than I can afford. It adapts to pay changes and surpluses in funds to take a bit more or less when needed. You can pause savings and take your money out in seconds if needed. The interface is simple and easy to understand. In the future, I would LOVE to see it add a bill calendar feature to see when my bills pull so I can quickly see what’s coming up soon. overall, this app has been a true lifesaver and my best CYA tool..Pppppppppp72Version: 3.103.0

✓ Great App!This app is awesome! The part where is scans your account and saves for you is phenomenal, but you can also manually move funds as well, which is great! In doing so it makes saving mindless and easy while also letting me organize my funds for any large purchases or financial obligations with ease. Withdrawing from digit is simple and easy! You can do it two ways, the first takes a couple days for the money to hit your account after withdraw and that is free of charge, which is awesome! The second, if you need the money ASAP takes only a couple minutes to hit your account, but cost you a dollar. In my mind it’s a dollar... who cares, the total value you receive from the app vastly exceeds the 1 dollar charge for that option or the 3 dollar subscription. Made a whoopsie and over drew? No problem, digit has your back, turn on the overdraft protection in the app (even if you never overdraw your account, it’s a good option to have on), and if it happens digit automatically withdraws from your rainy day fund to cover down on the overdraft, no excess fees. Over all, the app is designed to help you out in as many ways as possible, with financial goals, bigger ticket purchases, financial obligations (rent, mortgage, car payment, etc). High 5 to the developers, you guys a really taking a step in a great direction to help people, keep up the great work!.Stupendous_WeeabooVersion: 2.95.0