Contact us

Revolutionising Retail Finance

What could Retail Finance do for my business?

As the UK's leading point of sale finance provider, more than 4,000 retailers of all shapes and sizes rely on us to provide their credit facility.

From driving traffic to increasing conversions, offering a point of sale finance solution could help you meet your business goals.

A recent survey of our retail finance customers showed that 55%* of customers chose to go ahead with the purchase because of the availability of an affordable credit option.

What's more, 43%* also admitted to spending more when finance was available. Can you really afford not to provide your customers with a point of sale finance solution?

*Based on 6,113 customer responses collected between January and June 2020.

Customer Satisfaction4.7 out of 5

Our award-winning customer service team provides our mutual customers with the same outstanding experience you would provide yourself.

Turn your browsers into buyers

Turn your browsers into buyers

Our cloud-based systems make it quick and easy for you to get up and running in just a matter of weeks. Applications take minutes and the customer will get an instant decision, with the option to e-sign their agreement, meaning no lengthy paperwork.

Our leading POS finance system can integrate with all major EPOS software, with simple plug-ins available for some of the biggest suppliers including Magento, Shopify and WooCommerce.


Turn your browsers into buyers

How Hitachi Capital Retail Finance can help 
  • Increase customer loyalty
  • Accelerate purchasing decisions
  • Stimulate recommendations and repeat business
  • Close sales
  • Increase average order value
  • Drive footfall and traffic


No FCA authorisation, we can help

Hitachi Capital Consumer Finance can help you provide interest free credit agreements up to 12 repayments without FCA authorisation.

Why should I try an unregulated credit product?

  • Find out if credit works for your business
  • Build a business case and gain internal buy in
  • Get up and running while you wait for authorisation

Why we're the UK's leading point of sale finance provider

  • From our specialist expertise in a wide range of industry sectors, to innovative products and our fully customisable omni-channel solution, find out why we're the UK's leading point of sale finance provider.

    Why choose Hitachi Capital Consumer Finance?

Our specialist sectors

Our expertise in retail finance is diverse and dynamic. Here are just some of the sectors in which we specialise.

Our products

A wide range of products to suit your business and your customers.

Our solution

‘Out of the box’ quick, but ‘outside the box’ creative. A tailored service that suits your business.

Retailer case studies

With a successful omnichannel approach in place, teamed up with Hitachi Capital in January 2014 to offer interest free credit to customers

Berry's Jewellers

Berry's Jewellers

With deals such as 0% interest-free credit, we help jeweller Berry’s deliver on their policy of “Excellence in Every Quarter”, helping them gain new customers and stay competitive

A Blueprint for Retail Investment

  • Interested in becoming a retail partner?

    If you'd like to speak to us about becoming a retail partner, please complete the short form and one of our team will get back to you as soon as possible.

    Alternatively, if you'd rather speak to someone straight away, feel free to give us a call on

    0344 375 5501

    08:45 - 17:15 Monday to Thursday
    08:45 - 16:45 Friday

    Retail Helpline

    If you are an existing retail partner with a general enquiry, please call our Retail Helpline on

    0344 375 5515

    Retail Helpline opening hours: 
    08:45 - 20:00 Monday to Friday
    08:45 - 20:00 Saturday
    10:00 - 18:00 Sunday

Contact us for more information

Retail Finance news

Ecommerce Integration FAQs

Nov 2019

Find out everything you need to know about integrating your ecommerce platform with our PaybyFinance system.

9 Ways to Promote Finance

Dec 2019

All too often we see retailers losing out on sales because they introduce customers to the option of paying for their chosen goods with finance too late in the buyer journey. That’s why we’ve put together this guide to 9 alternative places to plug your finance offering that are not the payment page.

The Future Of Automation In Retail

Oct 2018

Hitachi Capital Consumer Finance managing director Vincent Reboul was recently featured in an article in Yorkshire Business Insider on the future of automation in industry.

A Blueprint For Retail Investment

Sep 2018

Hitachi Capital Consumer Finance commissioned a study of more than 500 senior retail decision-makers to understand the key investment priorities within the retail sector.