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Revolutionising Retail Finance
The world is changing and so are we!
From early next year, we’ll be rebranding from Hitachi Capital Consumer Finance to NOVUNA Consumer Finance with a fresh new look and feel. We’re really excited about our new brand and positive you’re going to love it! Find out more
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 Satisfaction – 4.7 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.
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 11 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
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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.
Retailer case studies
Sofa.com
With a successful omnichannel approach in place, sofa.com teamed up with Hitachi Capital in January 2014 to offer interest free credit to customers
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
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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
08:45 - 17:15 Monday to Thursday
08:45 - 16:45 FridayRetail Helpline
If you are an existing retail partner with a general enquiry, please call our Retail Helpline on
Retail Helpline opening hours:
08:45 - 20:00 Monday to Friday
08:45 - 20:00 Saturday
10:00 - 18:00 Sunday
Retail Finance news
Cashless society? Rural and older consumers join cashless payments revolution
Jun 2020
Rural and older communities are as ready to join the cashless payments revolution as their younger and city-dwelling counterparts, new research from Hitachi Capital (UK) PLC has found.
Jewellery customer insight: Getting engaged on Valentine's Day
Feb 2020
With Valentine’s Day just around the corner, our recent research lifts the lid on how people feel about getting engaged on the most romantic day of the year, where they would choose for their partner to buy their ring from and how much they expect them to spend.
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.