My Blog

Retirement plans remain a core pillar of employee benefits. Yet with an increasingly dire financial reality, many of those plans are falling short. Nearly half of younger working Americans –– 42% — say they’re living paycheck to paycheck. That means after covering their basic living expenses, Gen Z, Millennials, and Gen X have nothing left for savings. And the vast majority say they’re struggling to save for retirement.

Figuring out how to stretch a budget through the entire month. Deciding whether to pay for an unexpected expense on credit. Evaluating student loan repayment options. Determining whether you’re financially ready to buy a home. Financial decisions happen every day, so why shouldn’t financial guidance?

Imagine a bus pulling into a neighborhood where the nearest bank branch is miles away. Inside, residents can open a checking account on the spot, step into a private consultation pod, or meet with a credit counselor. And with SpringFour integrated directly into the experience, a quick zip code search instantly surfaces local financial assistance. What might otherwise take hours is resolved in minutes.

When financial pressure hits, speed matters. During the 2025 federal government shutdown, the longest in U.S. history, millions of households suddenly faced paused paychecks and benefits, alongside mounting uncertainty. Financial institutions had a choice: wait, or act. OppFi acted.

This March, we’re recognizing Michigan State University Federal Credit Union (MSUFCU) as our Partner of the Month, for their delivery of critical financial health support and real business impact. Through its partnership with SpringFour, MSUFCU demonstrates how responding to members’ needs and interests drives measurable business results.