Buy Now Pay Later finance solutions
With Buy Now Pay Later, your customer can enjoy their new product now and pay for it later.
It really is that simple. Your customers can buy a product today and not pay a penny towards it for up to a year later. Once the deferral period has ended, customers will then be able to spread the cost of their purchase by making a series of equal monthly repayments over a set period.
Our buy now pay later finance at a glance
Our BNPL is changing...
From 2026, regulators are stepping in to ensure BNPL operates with the same standards as other forms of credit in the UK. For retailers, this will bring both challenges and opportunities. Here’s what’s changing - and how to stay ahead.
Find out more
“Buy now pay later is too often associated with low-value, short-term finance options used to spread the cost of a takeaway or some clothes. But, executed properly, buy now pay later can be an incredibly powerful finance option for retailers.
Our buy now pay later is a fully regulated product that allows customers to walk away with their chosen product or service, and not pay a penny towards it for up to twelve months later. Plus, a customer can avoid interest charges altogether by paying the full amount within the deferral period (plus a £29 settlement charge where applicable). It gives customers breathing room and flexibility, which is particularly useful in today’s economic climate.
For retailers, it’s an ideal complementary finance option to offer alongside our other popular options. It appeals to customers who are looking for instant gratification, and can really accelerate a purchasing decision.”
Darren Clark
National Retail Manager
The benefits of offering buy now pay later to your customers
Encourage customers to buy
Buy now pay later gives customers instant gratification, so they’re much more likely to make a quick purchasing decision
Avoid impact to your cash flow
Your customers will walk away with a product and pay for it later, but you’ll get paid in full straightaway so there’s no disruption to your cash flow.
Attract more customers
Both new and existing customers want brands to truly understand them and their needs. Promoting flexible payment options is a great way to do just that.
Be heard amongst the noise
Retailers are fighting to be heard during key sales periods such as Christmas and Black Friday. Buy now pay later gives customers yet another reason to choose you.
Avoid abandoned baskets
Making a major purchase can leave a big dent in a customer’s bank balance. Give them the option to enjoy their product now and pay for it later, and they’ll be far more likely to checkout with confidence.
Increase your audience base
Not everyone who wants to buy from you will have the cash ready to go. You could open up your business to a whole new audience by making your products and services more accessible.
Choosing the right buy now pay later provider
Protect your customers by only working with a regulated finance provider. The term ‘buy now pay later’ is too often associated with unregulated, unethical lending. But rest assured that our buy now pay later product is fully FCA regulated, ensuring your customers are treated fairly.
Our buy now pay later finance is most suitable for large purchases, such as home improvements or electricals. It gives customers an opportunity to buy what they want now and defer payment. The deferred period is usually months or up to a whole year. This offers a more structured way to pay, compared to unregulated buy now pay later products in which the cost of a product is split into a smaller chunks to be paid over a short amount of time.
When your customers apply for our buy now pay later finance, we’ll carry out full affordability and credit checks to make sure credit is only offered to customers who are likely to be able to afford the repayments. Though a hard credit check will need to be conducted at the point of application, we do offer soft search functionality so your customers can check their eligibility before applying.
What to expect from us
- Quick and simple set up – at no extra cost
- Expert support for both your team and your customers
- Bespoke tailoring options to help increase accept rates
- Max loan technology to improve upsell opportunities
- Soft search functionality
- No risk to your business – we’re responsible for collecting repayments
- An application platform that integrates seamlessly with your POS system
- Quick and easy application that can be completed in-store, online or wherever suits your customers
- Upfront and honest communication, including transparency on pricing and accept rates
Ready to join our network of over 3,000 UK retailers?
To work with us, you will need to be offering products or services for consumers (not for other businesses) and be trading profitably. You will also need a minimum of:
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.