{"id":36755,"date":"2024-04-30T12:34:20","date_gmt":"2024-04-30T12:34:20","guid":{"rendered":"https:\/\/www.zopa.com\/retail-finance\/retailer-articles\/how-much-does-finance-cost\/"},"modified":"2025-03-03T09:49:59","modified_gmt":"2025-03-03T09:49:59","slug":"how-much-does-finance-cost","status":"publish","type":"post","link":"https:\/\/www.zopa.com\/retail-finance\/blogs\/how-much-does-finance-cost\/","title":{"rendered":"How much does it cost to offer retail finance?"},"content":{"rendered":"

If your business is yet to offer retail finance options at checkout, you\u2019re missing a huge trick \u2013 regardless of your sector.<\/span>\u00a0<\/span><\/p>\n

\u00a0<\/span><\/p>\n

Most of us expect to find ways to spread the cost of an order as a payment option. And if we don\u2019t, we\u2019ll just keep browsing until we find a competitor who offers what we need.<\/span>\u00a0<\/span><\/p>\n

\u00a0<\/span>\u00a0<\/span><\/p>\n

There\u2019s a lot of content out there already about the <\/span>benefits of offering retail finance<\/span><\/a>, <\/span>how to get started<\/span><\/a> and tips for <\/span>keeping track of your progress<\/span><\/a>. And there\u2019s also information around the potential negatives of adding finance to your checkout. Buy Now Pay Later, for example, has taken a bit of a bashing in recent years due to opaque additional fee policies and high levels of customer debt. <\/span>\u00a0<\/span><\/p>\n

\u00a0<\/span><\/p>\n

Thankfully, the UK government has <\/span>regulation for the short-term finance sector<\/span><\/a> on its radar, and we should see changes soon. But a lot of retail finance doesn\u2019t fall under the \u2018Buy Now Pay Later\u2019 umbrella. Any lending that extends more than 12 months, for example, has to be regulated by the Financial Conduct Authority (FCA). And some finance solutions, like DivideBuy, adhere to FCA guidance regardless of the term length \u2013 so you\u2019ve got plenty of safe options. <\/span>\u00a0<\/span><\/p>\n

\u00a0<\/span><\/p>\n

But you didn\u2019t come here to read about the pros and cons of offering retail finance. You wanted to know about associated costs for you, the retailer, when adding finance to your eCommerce or instore checkout. So let\u2019s talk numbers.<\/span>\u00a0<\/span><\/p>\n

\u00a0<\/span><\/p>\n

How much does it cost to offer finance to customers?<\/span><\/b>\u00a0<\/span><\/h3>\n

\u00a0<\/span><\/p>\n

The answer this depends on several factors, including:<\/span><\/p>\n

\u00a0<\/span><\/p>\n

– How much revenue you\u2019re turning over <\/span>\u00a0<\/span><\/p>\n

 <\/p>\n

– Your average order value<\/span>\u00a0<\/span><\/p>\n

 <\/p>\n

– Whether you want to offer interest free credit, interest bearing credit or <\/span>both<\/span><\/a>\u00a0<\/span><\/p>\n

 <\/p>\n

– Your sector and any associated risks for the finance provider<\/span>\u00a0<\/span><\/p>\n

\u00a0<\/span><\/p>\n

What costs do I need consider when offering retail finance?<\/strong><\/h3>\n

 <\/p>\n

Here are some fees and charges which you should keep in mind when exploring the idea of adding retail finance options to your payment options.<\/span>\u00a0<\/span><\/p>\n

\u00a0<\/span><\/p>\n

1. Interest Charges<\/span><\/b>\u00a0<\/span><\/h4>\n

 <\/p>\n

If you want to offer <\/span>interest free finance<\/span><\/a> (always a popular choice for most customers) you\u2019ll likely need to absorb the interest charges on your customer\u2019s behalf and pay these to the finance provider.<\/span>\u00a0<\/span><\/p>\n

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2. Commercial rates<\/span><\/b>\u00a0<\/span><\/h4>\n

 <\/p>\n

This is the percentage of each credit sale that you\u2019ll pay your finance provider. While it’s important to find a reasonable rate offer, remember that the big number you want to focus on is conversions. If the finance provider has a proven record of turning browsers into buyers, you\u2019ll get your money\u2019s worth. <\/span>\u00a0<\/span><\/p>\n

\u00a0<\/span><\/p>\n

3. Service fees<\/span><\/b>\u00a0<\/span><\/h4>\n

 <\/p>\n

There\u2019s a lot of admin involved in processing retail finance payments. Your finance provider might charge you service fees for setting up your solution and keeping it running. \u00a0Be sure to ask about the various options available.<\/span>\u00a0<\/span><\/p>\n

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4. Technology and infrastructure<\/span><\/b>\u00a0<\/span><\/h4>\n

 <\/p>\n

Getting your solution live involves an onboarding and integration process which can go smoothly \u2013 but can also be very time-consuming and costly. Ideally, you\u2019ll work with a provider who can <\/span>handle the whole process on your behalf,<\/span><\/a> end to end, and get your credit sales going ASAP. <\/span>\u00a0<\/span><\/p>\n

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5. Compliance and regulatory costs<\/span><\/b>\u00a0<\/span><\/h4>\n

 <\/p>\n

If you\u2019re a UK merchant and you want to offer regulated finance products (interest free\/interest bearing finance spread across longer than 12 months), you need to be FCA-licensed. You can either apply directly or become an Appointed Representative via a Principal. Find out how <\/span>here<\/span><\/a>. <\/span>\u00a0<\/span><\/p>\n

\u00a0<\/span><\/p>\n

6. Marketing and promotion<\/span><\/b>\u00a0<\/span><\/h4>\n

 <\/p>\n

You\u2019ll want to advertise your retail finance offering as loudly as you can. Consider what you\u2019ll need to invest in marketing and promotional activities to make sure customers know about their options. DivideBuy helps merchants <\/span>lower marketing costs<\/span><\/a> by 30%+. <\/span>\u00a0<\/span><\/p>\n

\u00a0<\/span><\/p>\n

7. Training and education<\/span><\/b>\u00a0<\/span><\/h4>\n

 <\/p>\n

If your team members are going to be promoting retail finance to customers, you\u2019ll want to provide training on how they can do this compliantly and effectively. At DivideBuy, we offer this <\/span>training to merchants offering finance<\/span><\/a> to make sure everyone is on the same page.<\/span>\u00a0<\/span><\/p>\n

\u00a0<\/span><\/p>\n

8. Customer service<\/span><\/b>\u00a0<\/span><\/h4>\n

 <\/p>\n

Providing customer service related to retail finance offerings might\u00a0bring you additional costs. Try to find a retail finance solution like DivideBuy that handles finance-related queries on your behalf \u2013 so you don\u2019t have to stress.<\/span>\u00a0<\/span><\/p>\n

\u00a0<\/span><\/p>\n

Offering retail finance boost your conversions, basket value and sales. But it\u2019s important that you weigh up the cost of doing so, so you can make an informed decision that helps your business thrive. <\/span>\u00a0<\/span><\/p>\n

\u00a0<\/span><\/p>\n

Not sure what\u2019s right for you? We can help. Why not fill out our quick and easy \u2018<\/span>Book a Demo<\/span><\/a>\u2019 form today?<\/span>\u00a0<\/span><\/p>\n

\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Letting customers spread the cost at checkout helps you boost sales – so it’s well worth investing in. Here are some potential costs to keep in mind.<\/p>\n","protected":false},"author":5,"featured_media":36756,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[31],"tags":[],"class_list":["post-36755","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dividebuy-insights"],"acf":[],"yoast_head":"\nHow much does it cost to offer retail finance? - Zopa Finance<\/title>\n<meta name=\"description\" content=\"Letting customers spread the cost at checkout helps you boost sales - so it's well worth investing in. 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