This includes identifying positive and negative risk indicators otherwise obfuscated in the transaction data, thereby ‘splitting’ the risk level of applicants and enabling up to a 60% reduction in arrears with no reduction in lending volume. We’ll sometimes perform additional security checks to make sure your account is as safe and secure as possible. You’ll be asked to open the Jaja mobile app and verify your transaction to confirm it’s really you. Our card is contactless, meaning you can tap your card wherever you see the contactless logo for quick and easy payments up to £100. Perfect for that quick morning coffee before work – no need to scramble for loose change or enter your PIN every time.
Jaja Finance is committed to empowering customers with simple, fair, and efficient credit solutions, leveraging advanced technology to enhance financial inclusion and customer experience. Use our credit card eligibility checker before you apply to find out if you could be approved for a Jaja Credit Card. We will tell you the interest rate and credit limit you may be given if we think we can offer you a card. The application process and delivery of the card was quick and efficient as was the activation. Make quick payments up to £100 with a simple tap of your Jaja card. We’ve put together a few guides to save you time and help you get the most out of your credit card.

Ready to apply? It couldn’t be simpler

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Businesses

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D•One provides an advanced transaction categorisation engine which allows clients to classify and analyse bank account transactions. The technology has been developed over the past decade and has benefited from well over 12 billion transactions being categorised allowing a powerful deterministic approach to be developed. This approach to transaction categorisation allows lenders much greater confidence in making decisions leading to much more accurate outcomes for lenders and borrowers. In the last 12 months  D•One’s enriched open banking data has enabled approximately 120,000 consumers to receive an affordable loan that would otherwise have been declined. In a move to encourage smarter financial choices and foster positive borrowing habits, Jaja is introducing credit card-focused missions that unlock exciting benefits along the way.
Jaja Finance Ltd is a digital-first, insights-driven lender, offering customers simple, fair and efficient credit. It combines the technical and digital capabilities of a modern technology business with deep retail financial services and credit card sector experience. Jaja is the latest in a long line of progressive lenders leveraging alternative data to make responsible credit offers to consumers who would otherwise be excluded from mainstream lending.
If you’re an existing customer and you want to speak to someone about your Jaja Credit Card account, we’ve got the details you need. Customers who collect enough stars will have the opportunity to move to a new level where they will receive richer rewards. Missions will reset every month, giving everyone a fresh chance to join in and collect all their stars. Verification can help ensure real people are writing the reviews you read on Trustpilot. Labeled Verified, they’re about genuine experiences.Learn more about other kinds of reviews.

• Check your balance, make payments and even add additional cardholders.
• Being accepted really quick and easy enough to get help if needed.
• Simply use contactless or chip & PIN payments at any outlet displaying the VISA logo.
• Jaja Finance Ltd is a leading fintech company specialising in digitally-led credit card products that prioritise simplicity, functionality, service, and security.
• The technology has been developed over the past decade and has benefited from well over 12 billion transactions being categorised allowing a powerful deterministic approach to be developed.
• This includes identifying positive and negative risk indicators otherwise obfuscated in the transaction data, thereby ‘splitting’ the risk level of applicants and enabling up to a 60% reduction in arrears with no reduction in lending volume.

You can find most things you’ll need to manage your account wherever and whenever you choose in our handy mobile app. Check your balance, make payments and even add additional cardholders. You can find details of the fees and exchange rates that might apply to foreign transactions on your statement. Being accepted really quick and easy enough to get help if needed. The easiest way to get in touch with the team is via Live Chat, in the app or online. They’re here to help you from Monday to Friday, 9am – 5pm (excluding bank holidays).

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• Airi is now resolving 50% of customer enquiries, allowing customer service agents more time to deal with the more complex enquiries.
• Credit limit and interest rates will be based on your individual circumstances.
• Keep your account safe with robust security features like freezing your card.
• In the last 12 months  D•One’s enriched open banking data has enabled approximately 120,000 consumers to receive an affordable loan that would otherwise have been declined.
• Companies on Trustpilot aren’t allowed to offer incentives or pay to hide reviews.
• Our card is contactless, meaning you can tap your card wherever you see the contactless logo for quick and easy payments up to £100.

In 2022, Jaja Finance signed a partnership deal with Asda to provide digital reward credit cards to its 18 million customers, and subsequently launched the Asda Money Credit Card and Asda Money Select Credit Card. Jaja also launched its first-ever own brand credit card, Jaja Vanta Credit jaja betting Card, and became one of the first UK fintechs to launch a GenAI chatbot. The partnership will enable Jaja to enhance financial inclusion by using data beyond traditional credit decisioning methods, offering a comprehensive view of a customer’s financial health. This approach will ensure better outcomes for its customers. D•One uses a unique combination of extensive open banking records and credit expertise to drive immediate value for its lender clients.

Company details

Initially predicted to reduce customer response times by 65%, the digital lender has now reduced customer response times by 90%, answering customer enquiries in just under fifteen seconds, versus the three minutes it took prior to launch. Airi is now resolving 50% of customer enquiries, allowing customer service agents more time to deal with the more complex enquiries. It is operated by Unexpected Ltd. and holds a license from Anjouan Gaming, Comoros.

Check your eligibility

D•One offers Jaja the ability to efficiently integrate consumers’ banking data into mainstream lending decisions. This data can be used to power smarter decisions, with enhanced accuracy leading to better outcomes for credit applicants and for lenders. D•One will also partner with Jaja to deliver more accurate income verification, risk insights, and affordability assessments. Jaja Finance Ltd is a leading fintech company specialising in digitally-led credit card products that prioritise simplicity, functionality, service, and security. Headquartered in London and regulated by the FCA, Jaja Finance seamlessly integrates the technical and digital capabilities of a modern technology business with extensive experience in retail financial services and the credit card sector.

Manage your account easily in the app

You can use your Jaja Credit Card abroad, whether you’re on holiday or travelling for business. Simply use contactless or chip & PIN payments at any outlet displaying the VISA logo. Keep your account safe with robust security features like freezing your card. Manage your account on the go using the app and keep track of how you’re spending. Credit limit and interest rates will be based on your individual circumstances. Your simple interest rates for purchases, balance transfers and cash advances will move up and down in line with the Bank of England base rate.