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Point of sale finance

Our point of sale credit solutions give customers the best payment options to choose from, whether they’re browsing online or hitting the high street.

Omnichannel retail financing

You can benefit from retail finance whether your business is driven by digital channels, traditional bricks and mortar, or something in between.

We know the importance of having a slick and simple finance solution that suits your in-store sales journey and integrates seamlessly with your e-commerce platform. This gives your customers a consistent experience, no matter how they shop with you.

Online sales now account for over 25% of all retail sales, and more than 80% of UK consumers are digital buyers. Many traditional brick-and-mortar retailers are now creating e-commerce sites to reach a wider range of consumers.

Partner with a POS credit provider that can flex to suit your checkout journey.

A credit system designed with retail in mind

Our application platform is quick, simple and provides a great customer experience from start to finish. You’ll find no clunky tech or lengthy applications here – just flexible ways to pay for your customers.

About our in-store finance option

  • Offer point of sale finance in-store to boost footfall and drive sales
  • Flexible e-signature technology allows customers to sign their agreement in-store, take it away to finalise at home
  • Instant decisioning, so there’s no waiting around in-store once your customer has decided to make an application
  • Soft search eligibility checks and tailored finance options available to support your team and maximise sales
  • Additional training for in-store sales colleagues, giving your team everything they need to feel confident offering finance

About our ePOS finance solution

  • Turn browsers into buyers by promoting POS finance across your e-commerce channels
  • Integrates seamlessly with all major ePOS systems via a simple plug-in, with support available for bespoke integrations
  • Customers can complete our one-page application form in minutes and receive a decision within seconds
  • Soft search and bespoke tailoring available to help you increase approval rates and offer credit that suits your customers
  • Option for us to collect deposits to create an even more seamless user journey

How does point of sale financing work?

1. Your customer shops online or in-store with you and chooses to pay using one of our retail finance options

2. They’ll fill out a finance application. We may also inform the customer if they qualify for one of our tailored finance options

3. Your customer will get an instant decision on their application and, if accepted, will be asked to e-sign their credit agreement

4. Once you deliver their order, you’ll receive the full payment (minus any subsidy) and we’ll begin collecting monthly repayments from the customer

Get started with our support

We’ll get you all set up free of charge, with a specialist onboarding team and a dedicated Relationship Manager to help you reach your goals.

  • Access to e-learning courses
  • In-person and virtual training sessions
  • Learn within a practice environment with our demo tools
  • Digital and physical POS marketing materials provided

You'll like the company we keep

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 OR £50,000 in finance in the last year
  • 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