Types of finance we offer

Whether you’re new to finance or are looking for a change, our retail finance solutions can help you meet your goals, whether thats converting more browsers to buyers or increasing average order values.

Interest Free Credit

Zopa’s interest free finance solution can be tailored to stretch from 3 to 60 months, depending on your customer and business needs.

 

Term Options: 3 – 60 months

Interest Bearing Credit

Zopa’s interest bearing finance solution can be tailored to stretch from 18 to 60 months, depending on your needs.

 

Term Options: 18 – 60 months

Buy Now Pay Later

Zopa’s short-term lending options can be offered to your customers from 3-12 months, to help you meet your business growth goals.

 

Term Options: 3 – 12 months
Book a demo

Which finance solution is right for my business?

When choosing your finance solution, it’s important to research and decide on the best fit for your business, your customers and your profit margins. Whatever your business goals, our Retail Finance solutions can help you turn more browsers into buyers.

Interest Free Credit

This is a great option for products with high profit margins, as you will be paying the cost of borrowing instead of the customer.

Interest Bearing Credit

If you’ve got high-ticket items which would benefit from longer instalment periods, or where the profit margin is slimmer, this could be the right fit.

Buy Now Pay Later

If your customers prefer shorter-term lending options (less than 12 months), we can help you tailor this solution to suit your needs.

How does Retail Finance work?

We provide both the technology and lending capabilities for your solution, meaning we handle every aspect of your integration. Whether its via a platform app, API or headless solution, we’ve got it all covered.

Find the right fit

We’ll help you choose the perfect finance options for your growth goals and customers.

Choose your terms

Get expert support with selecting the right terms and rates to boost profit.

Onboarding and integration

From platform apps to APIs to a headless solutions means we can get you onboarded in days.

Get switched on

Once live, we’ll support you on an ongoing basis to get the most out of partnering with Zopa.

Select your terms

At the checkout choose DivideBuy then your preferred monthly term.

 

 

Enter your details

Fill out our simple information form to apply for your chosen retail finance term.

 

Instant decision

An automated decision will be made within seconds for your finance term.

 

Payment details

Provide your bank account details for us to collect your monthly instalments.

 

Order confirmation

We’ll send you an email once your order is confirmed with all the agreement details.

 

Book a demo

Resources Guide

Offering checkout finance options is becoming a must-have for businesses online and instore. But how can you be sure which finance solution is the right fit for your business?

 

This guide and accompanying checklist will cover

 

Download buyer's guide

Book a Demo

Our credit engine is so seamless, we can demo our solution in minutes. Experience our transformative customer journey in real-time and book a slot with our experts now.

Please note, a minimum turnover of £5M and minimum trading period of 24 months is required to offer Zopa’s finance solutions.

What our merchants say

Read more about how we’re delivering results for merchants in your sector

More Success Stories