Traditional services

Personal loans account for over half of all lending and are Compass’s main business area. The remainder of lending consists of consumer purchase loans (not only for cars and motorcycles but for consumer electronics, furniture and travel as well), credit cards and salary-backed loans.

The consumer credit of the future

Compass is developing innovative services to anticipate new trends driven by digitalisation and changes in consumer habits. Its products will be increasingly simpler, faster and more customizable.

Online personal loans
The web platform will become progressively more efficient so customers can request loans from the comfort of their own homes, upload their paperwork online and receive a rapid response.
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Car leases and long-term hire service
Compass Rent provides an innovative long-term hire service for new and used vehicles, with duration ranging from a minimum of 12 to a maximum of 60 months, both vehicles already on dealer forecourts and to be ordered new from the manufacturer. The offering can be customized in terms of service (insurance, assistance and maintenance) and/or vehicle model. The company is also developing long-term consumer goods hire services in a variety of market segments, including furniture, telephony, and electric domestic appliances.

Buy Now Pay Later (BNPL)
We have developed our proprietary BNPL solution, Pagolight, leveraging Compass outstanding risk management capabilities with mid-size ticket (~1.100€ vs International players’ avg. offers relies on low tickets <€500) and longer tenor (~10months vs International players’ avg. International players’ average <6months).

E-commerce financing
We are partnering with leading Fintech to develop cutting-edge technology for e-commerce financing and new products focusing on seamless integration in dealers’ sales platform in order to increase sales and customers loyalty.