How to Cancel Oportun Set & Save

Step-by-step instructions

1. 1

   Open Profile & settings and tap Subscription

   Open the Oportun app and tap the person icon in the top-left corner of the home screen to open Profile & settings. Under Settings, tap Subscription. There is no website route: Oportun's help center says Set & Save is only available in the app, and the oportun.com login is for loans.

2. 2

   Tap Manage, then Cancel subscription

   At the top of the Subscription screen, tap Manage next to Your current plan. The Manage plan screen lists your current plan, the plan billed next and a Switch plan option for moving between monthly and yearly billing. Switching plans keeps you subscribed. Tap Cancel subscription at the bottom.

   

3. 3

   Skip the reason survey

   Oportun first asks We'd love to know why you're leaving, with reasons such as The cost of a Set & Save membership is too high and I didn't know Set & Save was a paid app when I signed up. The reasons can show up in a different order for you. Tap Skip, or pick one and tap Continue. No answer is required.

   

4. 4

   Skip the comments screen

   Next comes Any other comments or suggestions?, with a Your comments box. Tap Skip. Continue stays greyed out until you type something. Nothing has been cancelled at this point, so keep going rather than tapping Exit in the top-right corner.

   

5. 5

   Tap Continue with cancellation on the free-months offer

   A sheet slides up offering to waive the fee for a few months. In the mid-2026 app it read Stay with Oportun - free for 3 months! and named the date you would start paying again; the length may differ for you. Tap Continue with cancellation. Claim offer keeps your subscription running.

   Heads up: This is Oportun's retention offer. The free months are real, but claiming them cancels nothing: when they end, the fee comes out of your checking account again unless you go through this flow a second time. Take it only if you actually want to keep using Set & Save.

   

6. 6

   Check where your money goes, then tap Cancel subscription

   The What happens when you cancel screen shows the date your subscription ends and the checking account your money goes back to. Under Your account it says your automated saving will stop but you can keep using Set & Save until that date. Under Your funds it says any remaining balance is transferred to that checking account after the subscription ends, and that transfers can take 3 to 5 business days to post. Make sure the account shown is one you still have, then tap Cancel subscription. If it is closed, see the last optional step before you go on.

   

7. 7

   Look for the Subscription canceled banner

   You land back on Manage plan with the message Your subscription has been cancelled and a Subscription canceled banner saying you will lose access after your plan end date and can restart at any time. A Resume subscription button now sits where Cancel subscription was. The plan card underneath may still say Upcoming. The banner is what confirms the cancellation.

   

8. 8
   If this applies to you

   If your Subscription screen shows Close my account instead of Manage

   That is an older version of the app, and it is still the version Oportun's help center describes. Tap Close my account and confirm. That button closes the account itself: Oportun says your savings go back to your linked bank account within 1 to 5 business days, it emails you when the money is on its way and the account is closed, and it keeps your contact details for up to 30 days in case the transfer fails.

9. 9
   If this applies to you

   If you have an Oportun loan

   Closing Set & Save does not affect your loan, and the app itself stays free for managing a loan. But Oportun's terms say closing Set & Save in the app is not available while you have an active Oportun loan. If the app won't let you cancel, email help@oportun.com and ask them to cancel your Set & Save subscription. Loan members also get Set & Save free for a year (four years in an invite-only pilot), after which it switches to the normal $5.99 a month or $47.88 a year, so the first fee can arrive long after you signed up.

10. 10
    If this applies to you

    If you want your money back before the end date, or your checking account is closed

    You don't have to empty your goals to cancel, because Oportun sends the remaining balance back after the subscription ends. If you want it sooner, tap Transfer money, choose a goal under From and your bank under To, then tap Next, Make transfer and Confirm withdrawal. Standard withdrawals are free and usually post in 1 to 5 business days; some banks also support a 99-cent instant withdrawal. Money can only go back to the checking account it came from. If that account is closed, tap Checking account closed? Request a check on the cancel screen, or email help@oportun.com. Oportun mails checks to US addresses only.

11. 11
    If this applies to you

    Deleting the app, pausing saves or unlinking your bank is not cancelling

    Oportun's help center says deleting or uninstalling the app does not close your account or unlink your bank. Pausing auto-saves doesn't stop the fee either: the pause screen itself says your monthly subscription fee will continue to be charged while goals are paused. Removing your connected bank account sends your saved balance back, but Oportun doesn't say it ends the subscription. Cancel from Manage plan so the fee actually stops.

    Heads up: A broken bank connection is no protection. One user on r/Scams noticed the $5 fee kept coming out the whole time the app said it couldn't connect to their account.