At Novuna Consumer Finance, we help UK retailers of all sizes attract more customers, increase sales and boost average order value with our market-leading retail finance and POS credit solutions.
With 40+ years’ experience and more than 3,000 retail partnerships in place, we combine award-winning service, omnichannel integration and real-time performance insight to make finance a seamless part of your checkout journey.
0% Interest-Free Credit, Buy Now Pay Later (BNPL) and Interest-Bearing Credit - flexible programmes matched to your sector and basket values.
5 minute application, instant decision and ability to e-sign agreement securely in-store, online or anywhere else. No paperwork, no hassle.
Increase accept rates, boost order values and reduce operational costs with lending decisions that are tailored to every customer.
Our system integrates seamlessly with both in-store and online POS technology. So, whether you’re a traditional bricks and mortar retailer or operate in the digital space (or both), we can support you.
You'll love our free-of-charge onboarding process. We’ll help to manage every step of the integration process, whether you want to take advantage of our plugins and be ready to go at the click of a button, or require a more complex bespoke development.
Your Relationship Manager will provide expert consultancy to help support your business when offering retail finance. Work alongside them to understand regulation, analyse your data, finesse your credit strategy and boost profitability.
Your customers can get in touch with our award-winning customer experience team directly for support. Plus, they can manage their agreement 24/7 online or via our app, so they can look after their finances with ease.
Choosing a finance provider is an important decision. It’s not just about providing credit at the point of sale - it’s about having a partner who can help you grow, keep customers coming back, and make every transaction work harder for your business.
With our experience across specialist retail sectors, we know how to build finance solutions that feel simple for customers and commercially smart for you. Explore what sets us apart from the pack, the value we provide, and the service standards you can rely on.
We tailor a finance programme for your brand and products.
Integration is handled via our secure platform or your existing e-commerce tools.
Your customers apply instantly and receive fast decisions.
We manage the finance, payments and ongoing support - so you can focus on sales.
Trusted by 3,000+ UK retail partners, from high-street brands to specialist ecommerce. We provide UK-based service teams, dedicated relationship support and sector expertise, all backed by the global strength and local agility of Mitsubishi HC Capital Inc.
Find out more
Retail finance (also called POS finance) is a regulated credit option retailers can offer at checkout, letting customers spread or defer the cost of bigger purchases. It removes upfront price friction and can support higher-value baskets in-store, online, or both.
Retailers can offer a mix of Buy Now Pay Later (BNPL), 0% interest-free credit, and interest-bearing instalment finance. The right mix depends on your sector, typical basket values, and customer needs.
By giving customers flexible ways to pay, retail finance reduces basket abandonment and helps more shoppers commit to high-consideration purchases. Retailers commonly see uplift in conversion and AOV when finance is visible early and embedded smoothly into the journey.
Finance can be integrated into online checkout via APIs or ecommerce platforms, and into showrooms or stores through POS-aligned journeys. Customers see a consistent application and decisioning flow, whichever channel they choose.
Soft-search eligibility lets customers check if they’re likely to be approved without leaving a hard footprint on their credit file. For retailers, this usually increases completion rates and improves the customer experience by reducing friction.
Because retail finance is regulated, retailers must ensure customers see clear, compliant information before they commit (for example, key terms, repayments, and representative examples). Your finance partner should support training and compliant journey design.
Our award-winning customer service sets us apart from other lenders. We treat our mutual customers with the same care and respect that you do, helping to strengthen the overall customer experience. We are proudly accredited by the Institute of Customer Service, holding a ServiceMark with Distinction in recognition of our ongoing commitment to outstanding service. We have also been named Best Personal Loan Provider by Your Money for 11 consecutive years, as well as Best Personal Loans Lender at the Personal Finance Awards. In addition, we are proud to be a Feefo Platinum Trusted Service Award winner for 2025, reflecting consistently high customer feedback.
To work with us, you will need a minimum of:
You will also need:
Please note, we do NOT currently work with the following industries: renewable energy (including solar), dentistry, invasive healthcare, clothing, personal development or training solutions.
If you meet this criteria, we'd love to hear from you. Please complete the form and one of the team will be in touch within three working days (usually the same day).
If you are an existing retailer with a general enquiry or a customer looking to speak to someone about your retail finance or personal loan agreement, click here for contact details and opening hours.
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