Embedded consumer finance choices at the point of sale

Provide your customers with personalized embedded financing choices in-store, online, or anywhere they shop. Our flexible turnkey multi-lender platform offers you the freedom to easily add any lender so you can maximize the potential of consumer financing for your brand.

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ChargeAfter Embedded Lending Hub Partner Citi Bank
ChargeAfter embedded lending partner Wells Fargo ChargeAfter embedded lending partner Wells Fargo
ChargeAfter embedded lending partner Visa
ChargeAfter embedded lending partner Synchrony
ChargeAfter embedded lending partner Citizens

Say goodbye to painful integrations and declined financing

Say hello to a seamless embedded lending experience and increased approvals

Waterfall-Consumer-Financing_ChargeAfter Waterfall-Consumer-Financing_ChargeAfter

The Embedded Lending Platform

A user-friendly consumer financing platform for merchants with instant access to multiple lenders and a full spectrum of financial products. Streamline your lending process and seamlessly manage the entire cycle on one unified platform.

A unified consumer finance experience

Provide your customers with a unified omnichannel financing experience. Our state-of-the-art embedded financing platform standardizes the lending process across multiple lenders and seamlessly integrates with in-store, eCommerce, telesales, and other point-of-sale systems – for a simple loan application and approval journey.

The Embedded Lending Platform
Embedded POS financing with multiple lenders

Effortlessly integrate multiple lenders into your point of sale. Our embedded lending platform makes it easy to manage each lender’s compliance requirements, underwriting processes, and regulations. We seamlessly integrate all lenders and loan applications into a single platform.

consumer finance with embedded finance platform - payment options
Waterfall finance solution in real-time

Connect your customers to the ideal lender with our real-time matching engine. Deliver dynamic waterfall lending to maximize approvals through a wide range of financial products that span the entire consumer financing spectrum, tailored to your customers’ needs.

consumer finance with embedded finance platform - payment options
Post-sale management & analytics

Managing and optimizing your customers’ lending journeys has never been easier. Our advanced back-office enables you to easily process disputes, chargebacks, and refunds. What’s more, our reporting and analytics suite gives you all the insights you need to optimize omnichannel financing programs in one place.

consumer finance with embedded finance platform - payment options

POS financing built for enterprises

Instore consumer financing

For merchants

With a single POS financing application, your customers are matched with multiple lenders and personalized financing choices at every point of sale.

ChargeAfter embedded lending Platform

For financial institutions

Leverage our white-label financing platform to create, manage, and distribute any consumer financing product at scale within one streamlined experience.

Our mark on the market

ChargeAfter embedded lending Platform



ChargeAfter embedded lending Platform

Avg. Approval Rate


ChargeAfter embedded lending Platform for world



ChargeAfter is revolutionizing consumer financing worldwide for businesses like these.

With ChargeAfter, we have the peace of mind that our point-of-sale financing is powered by a proven platform and deep industry expertise, so we can focus on giving our customers a superb furniture buying experience.

Christopher Lloyd Director of Payment Solutions

ChargeAfter was a game-changer for us. We saw a 67% increase in financing applications with high and stable approval rates. It’s clear that our customers love the flexibility and convenience that ChargeAfter provides.

George Burt ChargeAfter consumer financing
George Burt Vice President of e-commerce & Omnichannel

As more of our customers request improved financing options, our priority is to meet this demand and provide a first-class experience that reflects our ethos of embracing change. ChargeAfter’s embedded lending platform supports this vision as it easily connects clients to multiple lenders in a fast and seamless process.

Tom Weber CEO

Unleash the power of the
Embedded Lending Platform

Consumer financing with Chargeafter

Boost approvals

Join merchants across the globe reporting approvals of over 80%.

Consumer financing with Chargeafter

Guaranteed security

We are fully secure and protected, giving you peace of mind.

Consumer financing with Chargeafter

Build loyalty

Build your customer base with more approvals - they’ll remember you for it.

Consumer financing with Chargeafter

Leverage data

Optimize your financing

offers with powerful consumer
financing analytics.

Consumer financing with Chargeafter

Unlock choices

Our embedded lending network accommodates any customer, regardless of their credit history or score.

Consumer financing with Chargeafter

Future proof

Integrate any lender and consumer finance product into your embedded lending offer.

Our lender network

Check out the financial partners driving more approvals at your point of sale.

Near prime
No credit required
B2B / Card based / BNPL 
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