Navigating the intricacies of consumer lending, especially in the realm of POS financing is no small feat. This white paper sheds light on the risks, opportunities, and challenges inherent in managing and scaling a point-of-sale financing program. Through a deep dive into the current state of US banks and the pivotal role of consumer lending, we provide insights and strategies for financial institutions to build a thriving POS finance strategy.
Context & priorities: perspectives dominating banks’ approach to consumer financing.
Strategies for banks to enter consumer finance by adapting and innovating to meet changing customer demand.
The consumer finance blueprint: every facet of a consumer finance program for banks as a roadmap to success.
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.
Guy Demascole
Director of Credit
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
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
By integrating ChargeAfter’s embedded lending platform into BuyFin, we are offering innovation not currently offered in today’s market, simplifying the financing process, enhancing the customer experience, and empowering merchants to close more sales and build lasting customer relationships.
Clare Perry
Executive Vice President
Point-of-sale financing success stories
Looking for real-world results? Explore these success stories to see how ChargeAfter empowers industry leaders to transform their POS financing solutions for success.
2025 Retailers’ Survey
We surveyed 100 retail decision makers about their point-of-sale financing and discovered some fascinating insights.
Download now
The Practical Guide to Home Improvement Financing
This guide offers strategies to help home goods retailers unlock the full potential of POS financing.
Learn more
Home Goods Retailers 2025
This guide offers strategies to help home goods retailers unlock the full potential of POS financing.