January

At January, we are transforming the lives of borrowers by bringing humanity to consumer finance. Our data-driven platform rebuilds trust, delivers results, and helps millions move toward brighter financial futures. We address the inherent challenges in credit through a technology-enabled solution that prioritizes empathy and efficiency.

Our mission is to expand access to credit while empowering borrowers to achieve stability and control over their financial lives. We specialize in creating positive outcomes for both creditors and consumers, ensuring compliance and preserving relationships through world-class digital consumer experiences. We partner with some of the largest credit unions and fintech lenders, demonstrating exceptional recovery rates and borrower satisfaction. Founded in 2016 and headquartered in New York, we have rapidly grown and expanded our team to embody our values of trust, communication, and continuous improvement. By blending technology with compassion, we are not only fixing what's broken in the credit system but are also creating a lasting impact on the financial landscape.