Retail finance products

Use Hitachi Capital's finance to generate footfall and increase sales

Our retail finance products increase footfall and drive sales for our retailers. By offering a finance option it allows the customer to buy large ticket items and spread the cost over a period of time. The goods become a more affordable option for the customer.

Interest free credit
Interest free credit allows the customer to pay for goods using finance without paying interest on the finance borrowed. This product has the strongest promotional message, drives footfall and is proven to increase the conversion rate from enquiry to sale.

Countdown deferred interest bearing
This allows the customer to pay for goods using finance and defer their first monthly payment by 6, 12 or 18 months. The customer will then pay the balance over a number of months paying interest on the amount borrowed. This product appeals to budget conscious customers who want to pay back the borrowed money over a longer period of time.

Countdown deferred interest free credit
The customer can pay for goods using finance and defer their first monthly payment for a set period of time. After this deferred period, the customer pays the balance over a number of months, without incurring interest. This is a promotionally strong product and will help increase the retailer's enquiry to sale conversion rate.

Interest bearing finance
The customer uses finance to pay for goods, but pays interest on the amount borrowed. This product is less promotionally strong than interest free credit but still drives sales in certain retail sectors.

Accelerated payment interest bearing credit
An interest bearing loan is where interest is charged at a monthly rate from the date the loan is set up.  The customer pays a fixed monthly repayment for a set number of months. The advantage of this product is that the customer has the flexibility to pay additional amounts at any time. This reduces the interest paid and reduces the term of the loan.