Boost your in‑store sales with consumer finance.

JO1N gives SMEs a complete solution for Point-of-Sale Financing from multiple lenders.

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Supercharged consumer finance

JO1N is an omnichannel platform that instantly give you the most advanced technology & tools to deploy and scale your consumer finance offerings at the point of sale.

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

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Conversions.
Cash flow. Growth.

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.

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.

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.

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With JO1N 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