Do More Business with Concora Credit.

Expand the purchasing power of your non-prime customers. Concora Credit offers flexible co-brand and private label solutions to help you meet their needs.

Explore Our Capabilities

20+ Years of Growth and Innovation

With Concora Credit as your strategic partner, you gain access to benefits that will expand your credit program and propel your business forward.

01

Industry Expertise

Our business is entirely focused on the non-prime consumer. We have the scale and depth of experience to help your program grow.


02

Tailored Solutions

We offer many types of credit programs. Let’s work together to determine what’s right for your business needs.



03

Streamlined Scalability

Easily deploy and manage your program with repeatable customer experiences that boost pull-through rates and customer acceptance.


04

Customer Satisfaction

We know your success hinges on the happiness of your customers. That's why we prioritize modern tools like mobile banking and digital wallets to ensure a positive customer experience.

05

Data–Driven Insights

Achieve high-approval rates and instant decisioning with our advanced underwriting techniques supported by proprietary machine learning tools that refine decisions based on performance.

06

Responsible Programs

Get guidance from our in-house compliance team to ensure adherence to relevant financial regulations, providing you with peace of mind and confidence.


07

Partner Support

Support program success with targeted marketing campaigns, staff training programs, dedicated account management, and regular check-ins with detailed reporting and insights.

08

Risk Mitigation

Rely on our dynamic funding portfolio to support your second-look non-recourse finance program and ensure continuous operation despite fluctuating market conditions.

How We Partner

“Consider us an extension of your team, dedicated to driving high consumer engagement through personalized products, exceptional benefits, and unwavering support.”

Rolando De Gracia, Chief Commercial Officer

Why Partners Choose Concora Credit

We embrace a ‘Do More’ attitude.

From small requests to bold ideas, we thrive on saying 'yes.' Our experienced team is dedicated to fully supporting your credit programs for optimal performance.

We deliver value and affordable payments.

Non-prime consumers can encounter financial challenges. That's why we build our credit products to empower them with budget-friendly options, enabling partners to Do More business.

A few of our Private Label partners.

We take care of cardholders.

Delivering a seamless and hassle-free cardholder experience is our priority. Through investments in a digital-first experience and team member assisted support, partners can trust that their customers are in good hands.

We have a track record of industry resilience.

Concora Credit has been serving the needs of non-prime customers for over 20 years. We’ve seen the ups and downs in the industry, and have developed resilient risk models that keep your program running.

A warm welcome to our new partners.

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Credit Products

Are you ready to grow your credit program?

We'd love to hear from you.

What we're talking about.

Get valuable insights into the world of consumer financing and discover the latest trends, best practices, and strategies to run a successful finance program.

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Customer

How Frontline Feedback Fuels Customer-Centered Innovation

Customer feedback isn't just commentary to be collected—it should spark action. At Concora Credit, we treat this input as a roadmap. Learn how it guides us towards building smarter solutions.

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Cobrand

In Loyalty's High-Stakes Game, Co-Branded Cards Become Merchants' Best Bet

Co-branded credit cards are having a moment as merchants see the value in branding and stronger customer relationships. The first rule is simple: Every player must win in the same way. Find out how.

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Download

Survey: The Non-Prime Consumers' Perceptions of Retail Credit Offers

Download the full report to learn how the non-prime customer feels about credit offers at the point-of-sale.

Continue Reading  ▶

Discover More Insights