Hitachi Capital’s own research shows that interest free - now routinely used and taken advantage of by consumers of all incomes and ages - encourages shoppers to trade up.

If interest free is promoted outside the store, increased footfall is another recognised advantage.

Alternatively, use interest free deferred as an even juicier carrot than straight interest free. As with interest free, the same advantages of increased footfall and higher order values apply, but with the added incentive of a payment holiday.

Hitachi Capital offers flexible payment holidays with most retailers opting for 10 months.