Retail finance options to offer your customers
It’s time to start offering your customers a better way to pay. With consumer finance, you can stay one step ahead of your competitors.
Finance options to bring in more business
Customers expect to see payment solutions that suit them, and they’re more likely to walk away if they can’t find the right option. Close that sale, attract new customers and increase your average order value by improving the payment options you offer in-store and online.
Interest free credit
When you offer 0% interest, you’re offering a win-win to your customers. Attract savvy shoppers, reduce basket abandonment, and increase sales.
Interest free credit allows customers to spread the cost of a big purchase without incurring any interest, giving them a more manageable way to pay.
You’ll pay a subsidy to ensure borrowing is free-of-charge for your customer, giving you a fantastic offer to promote to shoppers in-store or online. It's a great way to entice new customers and boost your sales.
Buy now pay later
A shopping spree feels great. Paying for it later feels even better. Instant gratification for your customers with no impact to your cash flow.
Customers can settle their agreement during the deferral period or make a series of fixed-rate monthly repayments after the deferral period has ended.
Retailers should only work with reputable finance providers like us. Our buy now pay later product is regulated by the FCA. Full affordability and credit checks are carried out, ensuring an ethical, fair service.
Interest bearing credit
A potentially cost-neutral option for your business that allows customers to spread the cost of their purchase over fixed-rate monthly instalments.
Interest bearing finance works in a similar way to traditional loans, so it's a simple way to make your products and services more accessible.
A fixed rate of interest will be added to your customers’ monthly payments. You may choose to pay a subsidy to contribute towards this cost, making this an even more attractive finance option for your customers.
Which retail finance option is right for me?
You could choose to offer just one credit solution, or a combination to give your customers greater choice. Our dedicated team of experts will work closely with you to decide which retail finance option could yield the best results for your business.
New to retail finance?
Ready to boost your business with finance, but not sure where to start? We’ve been in the market for over 40 years so, don’t worry, you’re in safe hands.
Unhappy with your current provider?
Don’t put up with clunky applications, poor customer service and unexpected interest rate hikes. Instead, work with a reliable retail finance provider like us.
Key features of our retail finance options
Frictionless finance
Online, in-store or in a customer's home. Wherever you do business, we're right there for you, across all platforms.
Repayment holidays
Offer your customers a deferred start with a repayment holiday at the beginning of their agreement.
Fully customisable credit
Tell us what finance solutions your customers want, and we’ll do the rest. We work with retailers across different sectors – are you ready to join them?
Bespoke tailoring options
We’ll help you turn a potential decline into an accept so you don’t miss out on valuable sales. Decrease or increase the value of the finance application without any further credit checks.
No risk to your business
Enjoy all the benefits of retail finance, from extra sales to increased average order value, with none of the risk.
Soft search
We offer a soft search option so you can check the likelihood of your customers being accepted for finance – with no impact to their credit score.
Our retail finance partners include
Ready to boost your business with finance, but not sure where to start?
We explain the basics of working with the Financial Conduct Authority (FCA).
FCA AuthorisationInterested in becoming a retail finance partner?
If you would like to enquire about becoming a retail partner, please complete the short form, and one of our team will be back to you within three business days.
You will need to confirm you can meet all of the following criteria:
- Minimum of £2,000,000 in annual sales turnover
- A minimum of 2 years trading history
- Be trading profitably
- A minimum net worth of £25,000, unless your business is within the Home Improvements market then a minimum of £100,000 will be required
- The products you offer are for consumers and NOT for businesses
Retail Partner helpline
If you are an existing retail partner with a general enquiry, please call our Retail Helpline:
0344 375 5515
Retail Helpline opening hours:
08:45 - 18:00 Monday to Friday
08:45 - 18:00 Saturday
10:00 - 18:00 Sunday
Customer helpline
If you're a customer looking to speak to someone about your existing retail finance or personal loan agreement, call our Customer Helpline:
0344 375 5500
Customer Helpline opening hours:
09:00 - 18:00 Monday to Friday
Closed Weekends & Bank Holidays