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Bringing Humanity to Consumer Finance.

At January, we fix what’s broken in credit. Our data-driven platform rebuilds trust, delivers results, and helps millions move toward brighter financial futures.

The January Difference. Earning results through empathy.

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Tech-enabled solutions that put humans first.

Real-time monitoring builds trust for creditors. An empathetic approach increases repayment rates for borrowers.

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Tech-enabled solutions that put humans first.

Real-time monitoring builds trust for creditors. An empathetic approach increases repayment rates for borrowers.

Creditors and borrowers agree: January works for them.

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What creditors are saying

What borrowers are saying

Accreditations and Memberships

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