Fair finance that fits

We re-shape credit to what your customers can afford, so you can say goodbye to hundreds of credit declines.

Say goodbye to 100s of credit declines*

Scroll down to see why etika fits you and your customers:

More sales, less drop offs

Affordable finance for more customers means retained sales and higher conversion rates for your business.

More accepted, less rejected

Credit rejections leave customers thinking negatively about retail brands. They may not shop with you again. More acceptances means increased customer loyalty.

No hidden fees

We believe in ethical finance. This means no late charges or hidden fees for your customers and a commitment to finance your customers can afford.

* Based on 4 retailers assessed between March and September 2021.