About JO1N

JO1N is a technology company that powers point-of-sale financing for banks, lenders and merchants with our white-labeled consumer finance platform and end-to-end solution. No matter the geo, payment stack or point of sale, we’ve got you covered.

Our platform includes seamless integration with any ecommerce platform and point-of-sale system, enabling quick and easy rollout and scalability.

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

Value Across the Board


  • A single integration to offer in-store and online financing to any merchant
  • Efficient new customer acquisition strategy
  • Zero overhead to maintain or add a merchant to a financing program
  • Fully-branded flow for both the lender and the merchant


  • Zero integration with lenders’ systems
  • Short and simple onboarding
  • Maximize revenue by selling large-ticket items with suitable financing
  • Easily launch a POC


  • No need to interact with staff to apply for financing and risk the embarrassment of being declined
  • Mobile-first apply and pay – no need to get a new credit card
  • Simple and streamlined loan application process
Lender? Get started Merchant? Get started