Our platform is built on more than 20 years of investment in data, people and technology. This allows our lending partners to efficiently serve consumers and make better decisions. Our historical data informs the decision-making engine, better predicting outcomes and minimizing risk.
We put families first in all aspects of our organization. We’re very proud of our culture — and our passion for putting people at the center of what we do fuels our innovation. We treat our employees, as well as the customers we serve, like members of our family.
We’re committed to pursuing controlled, profitable growth that advances the consumer’s needs. We focus on aligning our objectives to everyday people. We’ve managed growth as well as economic downturns. We leverage 20 years of data and proprietary analytics to make smart decisions — and we think we are the best at it.
Everyday People. Our team and bank partners are hyper-focused on leveraging technology, data, and product innovation to help hardworking Americans manage their financial wellbeing. This takes creativity, intelligence, collaboration, humility, accountability, experience and trust. That’s what makes our team the very best in the business. We are proud of what we’ve accomplished over our 20+ year history. Through economic cycles, market volatility, technology evolution, and regulatory changes, we’ve worked TOGETHER to maintain a single-minded focus on helping meet the needs of the financially underserved. Just like the customers we serve, our team comes from varied backgrounds and experiences that provide numerous perspectives – all of which are valued, no one more than another.
– Jeff Howard, President and CEO
We founded our business over 20 years ago to help banks offer financial solutions to consumers who were underserved by traditional credit providers. Just as they were two decades ago, many everyday Americans remain financially insecure. We strive to provide solutions to these consumers, who have unique and varied needs, and to do so in a way that reflects how we would want to be treated. Our business exists to offer these consumers the right product, at the right time, at the right place, THE RIGHT WAY. The customers we serve work hard, contribute to their communities, and deserve to be treated respectfully and offered products and services that are fair. All of our team members share this goal, and we start by treating each other the same way that we aim to treat the customers we serve. That’s the right way.
– David Hanna, Executive Chairman