Home improvements

Grow your sales and market share with point of sale finance

Craft the perfect point of sale finance offer

Interest free credit

Attract and convert customers with interest free credit (IFC). Your customers take advantage of spreading the cost with fixed monthly payments and no interest.

Defered interest free

Deferred Interest free credit

Increase sales with deferred interest free credit (DIFC). Your customers first enjoy a payment free period, then interest free repayments.

Interest bearing loan

Cost effective for your business and helps your customers budget for a large purchase. Flexible interest bearing loans (IBL) with a range of loan terms and APRs available.

Buy now pay later

Buy now, pay later

Appeal to consumers with buy now, pay later (BNPL). First, your customers can take a payment free period, then go on to conveniently spread the cost over time.

Help your customers have the home of their dreams affordably with smart ways to pay

Decorating and remodelling could be one of the great British pastimes. Whether it’s simply painting a room or installing a new kitchen or bathroom, many of us are in a constant state of home improvement. After all, our home is a reflection of who we are; our style and how we live our lives. It’s estimated that we’ll redecorate 36 times in our lifetime. ⁱ Point of sale finance will help your customers have the home of their dreams, affordably. There’s no need to compromise on quality or style with flexible ways to pay.

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“Thank you for providing a straightforward, fuss free loan. I could have paid for my kitchen outright but it makes sense to spread repayments over 3 years. I hardly notice the monthly repayment and it helps me manage my savings more effectively.”

Di, Devon

Point of sale finance designed with the customer in mind

Interest free or interest bearing credit options
Quick multichannel application
Instant decision & spend
Simple & convenient for a seamless customer experience

“I was very impressed with how straightforward it was to apply.”

Susan, Conwy

“Having partnered with Ikano Bank for over 7 years now we find our relationship is still going from strength to strength. The support and underwriting on offer is excellent and the new developments will enable us to expand on our relationship further. We see exciting times ahead."

Nick Otter, Managing Director, Optima Consumer Credit Ltd

“Fantastic to use and I have already recommended this way of paying.”

Richard, Somerset

A family owned 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 100 retailers across the UK.

Working with Ikano Bank

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i. Britons spend £36k on decorating homes and get paintbrushes out 36 times in a lifetime. (2016, October 14) Express. Retrieved from https://www.express.co.uk/news/uk/721145/Britons-home-interior-decoration-painting-36-times-life