Family walking through a garden laughing.

We listen.

At Jefferson Capital, we understand that every financial situation is a little different. By listening, we're able to offer solutions that provide value for consumers and creditors alike.

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Reputation is everything.

Jefferson Capital is a leading purchaser and solutions provider in the consumer finance industry.

Our 20+ years of experience allow us to offer:

Best-in-class legal and regulatory compliance
Long-term relationships
Service with integrity, respect and fairness

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Solutions that deliver.

Auto Finance

Jefferson Capital has delivered solutions for all sizes of auto finance companies, having purchased all types of accounts, including deficiencies, secured skips, and secured and unsecured bankruptcies.

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Jefferson Capital has always been willing to offer creative solutions that meet our current business needs. We have closed multiple transactions with them and fully expect that to continue. We recently went onsite to audit their policies and procedures, and they passed with flying colors.
Auto Finance Originator Corporate Finance Manager

Credit Cards

Our humble beginnings go back to 2002 when we purchased a single $2 billion portfolio of performing and charged-off credit card accounts. Since that time, we’ve grown to work with some of the largest credit card originators in the United States. Today we offer recovery solutions that provide secure, compliant, and consumer-centric services for our clients.

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Jefferson Capital was our preferred buyer due to their solid reputation. Because they were new to our portfolio, their pricing was slightly short of our expectations. But we allowed them the opportunity to gain experience at their price and after just a few months, they were able to increase their pricing. We ultimately entered into a long-term forward flow.
Credit Card Originator Portfolio Manager

Retail Installment Finance

Jefferson Capital has partnered with one of America's largest retail installment lenders for over 20 years. The relationship has been based upon developing an intimate knowledge of their products and customers, coupled with our best-in-class compliance program. We've since developed relationships with other retail installment lenders built upon that same solid foundation of excellent compliance practices and listening and learning about their products and customers.

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Jefferson Capital is our partner of choice. We trust them to provide a competitive price and a solid compliance program. We have been business partners for many, many years and that will continue. We like their transparency in day to day communications.
Retail Installment Lender Director of Recovery

FinTech Installment Loans

FinTech lending is one of the newest categories of consumer finance, and Jefferson Capital has partnered with some of the industry leaders since its inception. Given our FinTech partners' focus on establishing their brand reputations in this emerging industry, Jefferson Capital has been an excellent partner due to our competitive pricing and willingness to provide fair and sensible solutions to account holders.

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For us, customer experience is everything and it is essential to growing our platform. By partnering with Jefferson Capital, we were able to do business with an experienced debt buyer, and more importantly protect and grow our brand.
FinTech Lender Director of Collections

Telecommunications

Jefferson Capital is the largest purchaser of telecommunications accounts in the United States. Clients choose us based upon our ability to provide significant value, exceptional post-sale support, and care and understanding when interacting with consumers.

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After several years of experience with Jefferson Capital, seeing first-hand their excellent consumer support, and obtaining market best pricing, it was very easy for us to decide to continue our relationship with them.
Telecommunications Provider Debt Sales Manager

Utilities

Although the utilities sector has not historically turned to debt sales as a means to optimize their recoveries, Jefferson Capital has become a leading purchaser of utility accounts due to our strength in listening to clients, providing excellent value, and offering guidance throughout the debt sale process.

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We hadn't sold accounts in several years. We appreciated Jefferson Capital's patience throughout the process. They were able to get us up to speed on current debt sale practices and meet our pricing expectations. We partnered with them because of their strong track record of compliance and ability to meet our customer care expectations.
Energy Utility Director of Collections

Healthcare

We take a patient-centered approach to purchasing and servicing accounts in the healthcare industry. We understand that patient privacy and customer care are the key considerations for any healthcare provider. Jefferson Capital offers some of the industry's leading information security practices as well as a consumer friendly approach to help patients resolve their individual financial situations.

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Our business strategy was to outsource 100% of our recovery servicing. We had never considered selling before. Jefferson Capital offered a solution that gave us immediate economics through a debt sale. Their competitive price, combined with our confidence in their compliance and privacy program, made this an excellent choice for us.
Healthcare Finance Company Accounts Receivable Manager

PowerSports Finance

We work with banks, online lenders and specialty lenders who offer PowerSports financing and are considering selling charged-off and bankruptcy accounts (secured or unsecured).

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Jefferson Capital is our go-to bankruptcy buyer. Not only do we get an excellent price, we know their compliance is sound.
National PowerSports Lending Company Accounts Receivable Manager

DDA / Lines of Credit

Jefferson Capital works with banks, credit unions, and other lenders to find solutions for their Demand Deposit Accounts, commonly known as account overdrafts.

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We sold a large portfolio of our charged-off DDA accounts to Jefferson Capital and were pleased with their pricing and servicing.
National Debt Buyer CEO