Make it easy for customers to buy at checkout

Offer retail finance directly at checkout - so customers can spread the cost and complete the sale.

Trusted by UK leading business

Proven impact across retail finance

A mobile checkout offering customers the ability to spread their purchase across 6 months at 0% interest.

Offer finance where it helps customers move forward

Zopa embeds retail finance directly into your sales journey – so customers have a clear way to say yes when they’re ready to buy.

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Flexible finance options for different purchase types

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Fast, simple application journeys

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Integrated across ecommerce, in-store, Telesales and in-home

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Capture more of the demand you already have

For many retailers, the challenge isn’t demand, it's approval. Zopa helps more customers move forward at the point of purchase.

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Approve more customers across a wider range of profiles

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Let customers check eligibility upfront with no impact on credit score

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Give real time decisions when it matters

Flexible finance options for every purchase

Offer the right finance option for every customer and basket size.

Interest-Free Credit	Interest-Bearing Credit	Buy Now Pay Later (BNPL)
0% options to help customers spread the cost	Longer-term finance without impacting your margins	Short-term, interest-free options for smaller purchases
£200-£25,000	£200-£50,000	Up to £5,000

How does Retail Finance work?

Simple for you – straightforward for your customers.

Protect margin while increasing sales

Give customers a way to buy without putting pressure on price.

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Help customers move forward without lowering price

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Increase basket size through flexible repayment

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Reduce the need for promotional pricing

No credit risk

Zopa handles underwriting, funding and repayments

Get paid quickly

Receive payment upon delivery of goods and services

Simple to set up and run

Works across online, instore and assisted sales without adding more to manage

Offer finance without adding more complexity

Zopa handles the heavy lifting – so your team can focus on selling.

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More than Retail Finance

Help more customers move forward, increase completed sales and support higher value purchases – all without adding complexity.

Speak to the team