Our Retail Finance products are award-winning. Find out what we offer, including additional features, payment length options, the customer journey and more.




Retail Finance for sport & fitness merchants
Our Retail Finance solution, DivideBuy, is trusted by sports & fitness merchants like Wattbike, MuscleSquad and Pearson, with years of experience in delivering super-fast credit solutions that stretch muscles, not wallets.
Retail Finance (or point of sale finance) is a payment option which lets consumers spread the cost of a purchase over a series of smaller instalments.
Find out more about how it works.
How does Retail Finance work?
We act as both tech provider and lender, meaning we can handle every aspect of your solution inhouse, end-to-end.
How can Retail Finance help my business?
Zopa’s finance solution is helping UK sports and fitness merchants to significantly increase average order values and conversions, while lowering CPA and cart abandonment.
When choosing Zopa as your trusted retail finance partner, you also benefit from tailored reporting that offers practical insights for growth – all powered by your dedicated account manager.
Find out more about the advantages of Zopa for merchants.




How can Retail Finance help my customers?
We’re the credit provider of choice for thousands of UK customers who want to spread the cost of sports & fitness goods.
Our credit options from 3-60 months can help your customers do more of what of they enjoy – without breaking the bank – whether it’s bikes on credit, new home gym equipment or golf sets on finance.
Read how we’re supporting sports & fitness retailers.

MuscleSquad’s mission has always been to make quality fitness products more accessible. We’re proud to offer our customers finance options at checkout to help spread the cost. And with DivideBuy, that experience has been a positive one with high approval and conversion rates. DivideBuy’s vision aligns with our own, enabling us to give our customers the best outcomes possible.
Chris Billingham, Founder, MuscleSquad
What our merchants say
Read more about how we’re delivering results for merchants in your sector
Helping MuscleSquad drive a 545% basket value increase with flexible retail finance.
We helped Jam Golf putt a swing in its sales with longer-term retail finance.
Squaring 422% of annual sales targets with flexible retail finance solutions.
Book a Demo
Our credit engine is so seamless, we can demo our solution in minutes. Experience our transformative customer journey in real-time and book a slot with our experts now.







