Offer 0% Finance

Give your customers an easier way to pay with interest free credit and see your sales soar.

Interest free finance allows customers to spread the cost of their purchase over equal monthly repayments without any extra charges, allowing them to buy what they want much sooner. Boost sales and attract more customers by offering 0% finance with Novuna Consumer Finance.


About our interest free credit

  • Over 65% of our retail finance sales are interest free

  • Repayment terms from 3 to 120 months

  • Finance offered on purchases from £250 to £25,000

  • Zero deposit available

  • No need to apply for FCA authorisation if you’re offering interest free finance over 12 months or less


Why offer 0% finance to customers?

Attract new customers

Interest free finance is a powerful promotional tool. Get customers through the door or drive traffic to your site by offering flexible ways to pay.

Convert browsers into buyers

Committing to a big purchase can feel like a big decision. Interest free finance takes some of this pressure away, giving customers more confidence to buy.

Prevent abandoned baskets

Many customers prefer to budget for a monthly payment rather than parting with a large amount upfront – so providing an interest free option makes the purchasing decision much easier.

Increase average order value

With interest free finance allowing a big purchase to fit nicely into a customer’s monthly budget, customers can buy what they really want, even if it’ll cost them a bit more.

Improve customer loyalty

Offering a flexible payment option with no additional costs is likely to impress your customers. And once they’ve had a great experience with you, they’re more likely to return.

Stay ahead of your competitors

If you’re not offering payment options that suit your customers, they’ll go elsewhere. Always give customers a reason to shop with you instead of your competitors.


About interest free credit for retailers

You’ll pay a subsidy to Novuna Consumer Finance to cover the cost of your customers borrowing money. This allows you promote interest-free finance in store or online, drawing in both new and existing customers.

Whether you’re new to consumer finance or looking to switch from your current provider, you can rely on an outstanding experience with Novuna Consumer Finance. There’s a reason we’re one of the UK’s most reputable interest free credit providers. Here are just some of the key features of our retail finance offering

  • Efficient onboarding - our integration team will get you set up in no time, and all free of charge

  • Specialist team support - your dedicated Relationship Manager will help you make the most of offering finance

  • Frictionless process - our application platform is quick and easy to complete

  • Tailoring options - change the loan amount, term or deposit to turn a potential declined application into an accept

  • Max loan technology - we'll tell you if the customer is eligible to take out more finance, giving you an ideal upsell opportunity

  • Fair and transparent - we pride ourselves on building long-lasting relationships with our retail partners


Interested 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
  • You do not offer renewable energy (including solar), dentistry, invasive healthcare, clothing, personal development or training solutions

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 - 17:00 Monday to Friday
Closed Weekends & Bank Holidays