ecommerce retail finance


Give your customer enticing credit options from the comfort of their own home

In 2009, we became the first independent finance provider to launch an online point of sale finance solution.

Our PaybyFinance facility was developed in response to the continuous growth in online sales and has since helped many e-tailers convert their browsers into buyers.

The Ecommerce boom 

According to IMRG Capgemini e-retail Sales Index, online sales grew by 14% to £104bn in 2014 and will grow by 12% to £116bn in 2016.

Our user friendly site gives customers the ability to apply for finance 24 hours a day, giving added convenience to the customer experience. The application process is quick and simple, taking only three minutes to complete, presenting the customer with a decision in seconds. And with our new e-signature functionality goods can be dispatched straight away.

PaybyFinance not only benefits the customer but can help you, the e-tailer to:

  • Increase your average order size as the customer will enjoy greater buying power;
  • Convert more browsers to buyers by presenting big ticket items as affordable monthly payments, rather than a one-off payment.
  • Increase the amount of traffic to your website through a positive marketing message;
  • Manage orders using a secure login to our dedicated management website for PaybyFinance, which allows you to track all applications, search for individual customers and view paid out business, all in real-time.

PaybyFinance has been developed to integrate into a wide range of Ecommerce platforms, and full support is provided by our specialist Ecommerce team.

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