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Our credit system

CreditMaster3 (CM3) is one of the most sophisticated application platforms in the market. Designed specifically for retailers, it allows you to make finance an integral part of the customer journey.

  • Packed full of features

    Soft search functionality, tailored finance options, online deposit collection and headless calculator… what’s not to like? Benefit from these unique features when you choose our CM3 platform.

  • Omnichannel solution

    Whether you have a physical presence on the high-street, operate solely online or a mixture of the two, our CreditMaster3 platform is designed to support all retailers.

  • No disruption

    From instant decisioning to deposit collection for online retailers, we’ll ensure a smooth customer journey from start to finish with minimal delay or interruption.

  • Effortless integration

    Our system works alongside your in-store POS solution and seamlessly integrates with your e-commerce platform. With ready-to-go plugins and bespoke integration support available, you’ll be transacting in no time.

  • Quick and intuitive

    No clunky forms to fill out. No logins required. Our straightforward application process and e-signature technology makes it simpler than ever for customers to apply for credit.

  • Easy to manage

    Your internal teams will be supported by our CM3 dashboard, which gives you full overview of all credit applications. Manage your orders, make changes and more.

Use our finance features to secure sales

Savvy shoppers expect a wider range of payment options. But we go beyond offering standard finance solutions with these unique features.

Tailored finance

Turn declined applications into accepts, reduce the term to lower your subsidy costs or tell eligible customers if they’re able to borrow more. Get more customers that ultimately spend more money thanks to our suite of unique tailored finance options.

Soft search

Improve the customer experience by checking eligibility before the purchasing journey begins – with no impact on a customer’s credit score. Drive adoption and completion rates by giving your customers greater confidence when applying.

Finance calculator

Customers can use our online calculator to find a finance option that best suits them and their monthly budget. By altering the deposit amount and term, they can work out how much their chosen option could cost before running a credit check.

We make applying for credit simpler for your customers

1. Your customer adds their chosen products to their basket

2. They select their preferred finance option

3. If offered by their chosen retailer, the customer can check their eligibility for finance with no impact on their credit score

4. They fill out our quick application form and get an instant decision. If tailored finance is available, our system will automatically suggest the most affordable payment plan for the customer.

5. No paperwork to worry about. Your customer can e-sign their credit agreement and manage their account 24/7 via our app going forward

6. Once their order is processed and delivered, we’ll begin collecting repayments from the customer

Interested in learning more about CM3?

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