Being a Retail Partner with Ikano Bank

Grow your business with a retail finance provider in it for the long run

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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.

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Together we create finance, insight and payment solutions for consumers, retailers and other businesses, based on fair terms and simplicity.

 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

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.

“The competitors can copy every part of and every aspect of your business, but not the company spirit. This is what differentiates one company from another."

Ingvar Kamprad
founder of IKEA and Ikano


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
New Look

(There are many benefits to instant credit)…. Absolute sales, level of participation in the business, the average transaction value and average frequency of spend of those cardholders…they like us, they like our product and like to have an affiliation with us so they spend more and shop more often.”
PCL Research

Steve Challes, Group Business Development Director, New Look.

on boarding team

Stress free switching

We'll be your exclusive lender or sit alongside other lenders as part of a panel. Whatever your needs, our team will work with you to ensure a smooth transition and stress-free implementation.

New to retail finance? No problem. We'll help you set up for success and imbed retail finance in your business.


Switch to Ikano Bank

Working Together

Our people are fundamental to our business and key to delivering our promise, On Fair Terms. We want retailers to choose us as their retail finance provider because of what we stand for, what we deliver and how we deliver it.

Meet our UK co-workers

Our UK call centre, based in Nottingham, provides underwriting, customer care, store support & account administration. 

UK Contact centre

Giving back to the community

We're firm believers in the philosophy 'the more you put in, the more you get out'. 'Community' is embedded in everything we do, which is why we support social initiatives locally and globally, where our help can make a real difference. Our co-workers give lots of their time to support local community initiatives in Nottingham. 

Find out more

Over 150 businesses offer retail finance with Ikano Bank


New Look

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

Contact us

Ikano Bank is part of the Ikano Group

See retail finance in action with our Resource Hub

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

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