John Melley

John Melley is a CEO and co-founder of PayFina, an innovative FinTech platform that focuses on providing "financial inclusion" for "underbanked" consumers at point-of-sale (POS). With 32 years of experience in the finance industry, John has been providing the best financing alternatives for consumers with less than perfect credit, dating back to the early 80s when he started a nationwide furniture store chain with his brother, Link. Through this chain and their finance company, Military Credit Services, they were able to provide over 1,000,000 servicemembers with the best financing options possible, assisting those who had difficulty obtaining traditional loans or credit cards.

John has had several leadership positions over the years, including a stint as President and CEO at Flexstar Financial Solutions and Freedom Acceptance Corp, and Chief Operating Officer of Freedom Stores Inc. He has a BA in English from Saint Michael's College.

At PayFina, John and his co-founders aspire to revolutionize POS lending by offering a socially responsible program designed to make financing vastly more affordable, transparent, and available for consumers with "non-prime" credit. By assembling an excellent management team that shares their vision, John believes that PayFina will provide financial inclusion to nearly 40% of Americans that need better financing options.