Grow your business with retail finance

Get more sales with our retail and point of sale finance solutions

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Why should your business offer retail finance?

Retail finance makes it easy for your customers to:



75% of consumers say that given the choice, they would choose the store with interest free credit i

Spend more often


On average, customers who pay using retail finance spend twice as often vs. those without ii

 Spend more


Customers with retail finance have annual spend of up to 81% more vs. those without ii

Stay loyal to you


Revolving finance customers are 3x more likely to be loyal long term vs. those who pay with another tender type ii

What we offer

 Point of sale loans

Point of sale loans

Increase your conversion, drive sales and put your customer in control with affordable, flexible & simple ways to pay. Offer interest free credit, interest bearing loans, buy now pay later, or deferred interest free credit.

Point of sale loans

Revolving credit

Revolving Finance

Deepen your customer relationship and build brand loyalty with private label revolving finance. Multichannel instant decision gives your customer a convenient way to pay enhancing their satisfaction and brand experience.

Revolving finance

 Insight, marketing and loyalty services

Insight & marketing services

Stay ‘top of mind’ with insight and marketing services. Our retail partners have a dedicated team of data specialists to help them understand their customers and make meaningful connections with them. 

Insight services

Could your business offer retail finance?

We work with some of the UK's largest retailers across many different sectors, from home improvements to high street fashion.

If you can't see your sector below, don't worry. It doesn't mean we can't work together - get in touch to see how we can help your business.

Some of the sectors we work with

Home improvements

Home improvements

Point of sale finance options across home improvements. Window, kitchen, bathroom, & boiler businesses are just a few.

Home improvements

Sports and Leisure

Retail Finance for all of your customers sporting & down time activities whether it’s a new bike, skis or a hot tub for relaxing.

Sports and leisure


Home furnishings

Sofas, bedrooms, dining, soft furnishings, carpets, flooring & more. Point of sale finance options for every room in the home.

Home furnishings
Home electricals

Home electricals

White goods, computers, entertainment and other household appliances. Point of sale finance options for all your customers' electrical needs.

Home electricals




Your customers can wear now, pay later while you increase brand engagement with multichannel revolving finance.

optical and hearing care

Optical and hearing care

Give your customers the quality and style they want by offering payment options. Finance for glasses, prescription sunglasses and hearing aids.

Optical and hearing care

Why work with Ikano Bank?

We’re a family owned bank that’s been providing retail finance in the UK for more than 20 years. Our roots are in retail. The same family that founded IKEA, founded Ikano in 1988.

We’re proud of our unique retail heritage and what we’ve learned from it - a strong and simple idea, with a little bit of hard work and good values is important for success. From our UK base in Nottingham, we offer simple retail finance products with over 250 retailers across the UK.

Working with Ikano Bank

On fair terms, that's our promise to you

We live our promise and know that being on fair terms is essential for building strong relationships. This means we constantly review our solutions and our ways of working with customers, partners and co-workers. We're in business for the long run and want to build sustainable relationships. 

Our promise is guided by our values and living our values is how we make a difference.

Working with Ikano Bank

Over 150 businesses offer retail finance with Ikano Bank


New Look

Learn how we can help your business benefit from retail finance.

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See retail finance in action with our Resource Hub

White papers, case studies, blogs and top ten tips to grow your business.

Take me to the Resource Hub

i. Mintel research, Consumer attitudes towards retail credit, October 2015 ii. Ikano Bank retailer research & analysis, 2017