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    Boost your sales with Consumer finance

    Deploy any loan program at any point of sales. JO1N gives SMEs a complete solution for Point-of-Sale Financing from multiple lenders.

    Schedule a demo

    Multi Lender Consumer Financing

    The power of choice. With a single application, JO1N delivers personalised point of sale financing that offers to your consumers high finance approval rates and acceptance rates from across our broad network of lenders. JO1N’s multi-lender platform connects consumers with lenders for all e-commerce financing, every credit type, and currency.

    More choice. More selection. More approvals!

    Online

    In-store

    Platforms highlights

    Drive up basket size, conversions, and customer numbers with finance solutions designed to help your business prosper. From consumer finance to pay later. JO1N’s SME consumer finance tool streamlines higher acceptance rates for your customers.

    Multi-Product Solution

    When it comes to consumer finance, one size does not fit all. We customize your point-of-sale financing solution for any retail financing program, in any geo for any point-of-sale – online, in-store and via call center.

    In-store on customers device

    In-store assisted

    Online checkout

    Online product page

    Omnichannel solution

    Single consumer ID

    JO1N increases seller’s chances of buyers being able to obtain finance and checkout successfully by allowing to reuse personal details at the following checkout.

    One ID, many offers, right at the point of need.

    Made for locals.

    A mission is to unite the fragmented POS finance market into one manageable lending stack tool accessible to small and medium businesses. We focus on the SME segment as a form of supporting and empowering local consumption patterns.

    Onboarding is quicker

    As a retailer you want your bespoke cash-generating tool delivered fast, so we are here to offer you that opportunity in just a matter of days, giving buyers a new way to pay for their purchases.

    With JOIN you get...

    Increase in Sales

    Helps drive bigger baskets, repeat purchases and deliver new customers.

    Detailed analytics

    In-built powerful dashboard to manage all your transactions and processing.

    All lenders in one

    Connects to a network of lenders for higher approval rates.

    Fast & Easy

    Unified user experience across all prlatforms, in-store and online.

    Multiple Loan Programs

    Supports instalment product, line of credit and others.

    Zero IT Resources

    Zero integration required with your POS or ecommerce platform.

    Why work with us:

    Banks and Lenders

    Merchants

    You sell online? Super!
    We already work with

    How it works

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    When it comes to consumer

    When it comes to consumer finance, one size does not fit all. We customize your point-of-sale financing solution for any retail financing program, in any geo for any point-of-sale – online, in-store and via call center.

    A range of finance products

    Instant credit eligibility check

    Multi-tiered solution

    Instant credit eligibility check