Point of sale loans

Increase your conversion and drive sales with affordable & flexible ways to pay

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Create the right point of sale finance offer for your business


Interest free credit

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

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.

Whether it's interest free or interest bearing on offer, your customer expects options to spread the cost.

Roughly one third of consumers say that the type of retail finance on offer affects where they choose to shop. i. Want to drive footfall & increase conversion? Be sure to offer your customers flexible & affordable point of sale finance options - a must in today’s competitive retail market. For some purchases, an option to pay over time is expected; think about the last time you bought a new sofa, carpet, bike or kitchen. Were credit options advertised from the shop window or highlighted on the company’s website?

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“It's the easiest way to spread the cost at a low rate, it makes perfect sense.”

Joanne, Cheshire

Our point of sale finance customers love us. In fact, 81% of our retailer loan customers would recommend us. ii

“I really wanted to buy my favourite furniture from SCS and I did it because I got a loan from Ikano Bank. Thank you to you both!”

Jolita, Essex


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
“Having partnered with Ikano Bank for over 10 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

“The loan was straightforward to apply for and all further correspondence was clearly set out and easy to understand.”

Angela, Ayrshire

“Awesome guys all around will come back to Ikano [Bank] if we can for the next purchase we make…DFS we have bought from many years ago and will return no doubt in future.”

Mark, Cardiff

Blogs from our point of sale finance team

A day in the bush is worth two in the bank

Mark Williams

The positive impact of a Corporate Social Responsibility (CSR) programme is wide and varied. Encouraging and enabling employees to give back to the community is proven to support employee engagement, skill development and the business's bottom line. Mark, from our Point of Sale team shares his CSR story.

Read the full blog

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

Proud to partner with




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 survey February 2019 to January 2020 with over 24,000 respondents. 81% rated us 9 or 10 out of 10 when asked how likely they would be to recommend us.