What is Retail Finance?

If you’re new to Retail Finance, you might be wondering whether its the right fit for your business.

 

Retail Finance is a type of credit that lets customers spread the cost of a purchase into a series of smaller monthly instalments. Merchants partner with a finance provider, who integrates these payment options into their eCommerce checkout. Retail Finance helps merchants increase sales and conversions by giving customers the flexibility to spread the cost and purchase higher-ticket items.

 

When done right, Retail Finance is an excellent way to grow your business and deliver value for your customers.
Watch & learn

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