Why ChargeAfter: The smarter way to offer POS financing

Point-of-sale financing requires a simple, unified solution.
ChargeAfter consolidates the largest independent network of lenders into a single platform, helping merchants seamlessly deliver personalized financing choices to their customers at every point of sale. By instantly matching shoppers with best-fit options across the credit spectrum, merchants can easily boost conversion.

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The ChargeAfter advantage

Rapid omnichannel deployment

Rapidly deploy across any channel with native extensions and robust APIs. Go live in weeks , not months, in-store, in-home, online etc. .

Unbiased lender orchestration

Curate a customized lender stack that covers the full credit spectrum. Access 40+ lenders for prime to no-credit-required coverage, as well as B2B.

Seamless customer journey

Deliver personalized financing choices at every point of sale with a single application.

Maximized conversions

Increase approvals with real-time waterfall routing and lender matching. By providing financing for all customers, merchants capture more sales.

Enterprise-grade infrastructure

Scale with confidence on a secure, reliable platform built for enterprise performance. ISO 27001 certified, PCI DSS compliant, hosted on Google Cloud.

Centralized management

Gain full control over the financing cycle, lender stack, and performance.

ChargeAfter: Tailored financing for every industry

Our platform supports the unique demands of multiple sectors, adapting to your business model and customer needs.

ChargeAfter: Your all-in-one financing platform

ChargeAfter platform

Complete visibility and control

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Post-sale management

Manage disputes, settlements, refunds, and reconciliations from one unified dashboard with full transparency
and control.

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Lender optimization

Streamline collaboration between merchants and lenders with built-in tools to track, resolve, and manage cases efficiently.

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Data & insights

Access real-time lending data and analytics  to optimize financing programs, marketing, and customer lifetime value.

See what our merchant partners say

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 - Authority Brands
Clare Perry Executive Vice President

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

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, Raymour & Flanigan
Guy Demascole Director of Credit

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
Tom Weber CEO

The largest independent network of lenders

Prime

Near prime

No credit required

B2B / Card based / BNPL 

ISO 27001
ISO 27018
PCI DSS Certified
AICPA logo

Your financing program built on enterprise-grade security

ChargeAfter is built on globally recognized security and compliance standards — so merchants, lenders, and customers are always protected.