Exhibit 21.1

LIST OF SUBSIDIARIES OF OPORTUN FINANCIAL CORPORATION

The following is a list of subsidiaries of Oportun Financial Corporation and the state or other jurisdiction in which each was organized. This list does not include dormant subsidiaries or subsidiaries which, considered in the aggregate as a single subsidiary, would not constitute a significant subsidiary within the meaning of Item 601(b)(21)(ii) of Regulation S-K.

Subsidiary

Jurisdiction of Formation

Digit Advisors, LLC

Delaware

Oportun CL Depositor, LLC

Delaware

Oportun CL Trust 2023-A

Delaware

Oportun Depositor, LLC

Delaware

Oportun Global Holdings, Inc.

Delaware

Oportun Issuance Trust 2021-B

Delaware

Oportun Issuance Trust 2021-C

Delaware

Oportun Issuance Trust 2024-1

Delaware

Oportun Issuance Trust 2024-2

Delaware

Oportun Issuance Trust 2025-A

Delaware

Oportun Issuance Trust 2025-B

Delaware

Oportun Issuance Trust 2025-C

Delaware

Oportun Issuance Trust 2025-D

Delaware

Oportun Issuance Trust 2026-A

Delaware

Oportun PLW Depositor, LLC

Delaware

Oportun PLW Trust

Delaware

Oportun PLW II Depositor, LLC

Delaware

Oportun PLW II Trust

Delaware

Oportun PLW III Depositor, LLC

Delaware

Oportun PLW III Trust

Delaware

Oportun PLW IV Depositor, LLC

Delaware

Oportun PLW IV Trust

Delaware

Oportun Receivables Holdings, LLC

Delaware

Oportun RF, LLC

Delaware

Oportun, Inc.

Delaware

Oportun, LLC

Delaware

Oportun Canada, Inc.

Canada

OPRT Development Center Private Limited

India

OPTNSVC Mexico, S. de R.L. de C.V.

Mexico

PF Servicing, LLC

Delaware

PF Servicing, S. de R.L. de C.V.

Mexico