Finance that makes you look good

etika offers a full range of customer finance products, each of which can be configured to meet your individual customer and business needs. So, whether you are looking for promotional finance, such as 0% interest-free, or interest-bearing finance, we have a solution.

If you’re looking for a fully bespoke finance product that sets you apart from your competition, with etika’s agile and flexible technology platform, we can quickly and easily develop a finance solution specifically for your business.

Call us today on 0800 028 9321 to discuss which finance solution is right for you.

Knowing which retail finance products to offer can seem daunting. However, one of our finance experts will be happy to discuss and recommend the solution that’s right for your business and right for your customers. Call us today on 0800 028 9321 to discuss which finance solution is right for you.

All our communications are over SSL to ensure that transacting with us is secure. We have strict security and confidentiality procedures covering the storage and disclosure of information in order to maintain confidentiality; prevent unauthorised access; and to comply with the Data Protection Act 2008.

Typically we settle within 3 days although we are able to agree on a payment settlement to suit you. Payments are usually made daily via Faster Payments.

No. We take full responsibility for any bad debt.

The finance application process has been designed to be simple and quick for your customers. Whether applying in-store or online, applications are straightforward and take just a few minutes to complete. Once submitted, the customer receives an instant decision. The e-signature facility means the customer can digitally sign the agreement. Hence, the whole application is done in a single online session and there is no paperwork needed.

If we are unable to approve an application we will notify the customer directly. Due to Data Protection we are unable to explain why an application was declined. However, the customer can contact us for further explanation. And, for automatic declines, the customer is redirected back to your website to choose an alternative payment method like a debit or credit card.

You no longer need a consumer credit licence. However, to offer consumer credit you must be authorised by the Financial Conduct Authority (FCA) or have obtained interim permission.

If you only want to offer interest-free finance, then providing the repayment period is within 12 months, you do not require FCA authorisation.

You can apply online for authorisation at: www.fca.org.uk/firms/firm-types/consumer-credit/authorisation.

If you would like any advice with your application or if you’re unsure whether you need permission or you’d like help with which permission you require (Limited or Full), then please contact us on 0800 028 9321 and we will be happy to help.

No. There is no need to do anything differently. We take full ownership of customer loans and undertake all communication relating to the credit agreement throughout the loan period. We provide you with access to a secure online management information tool so you can keep track of orders and obtain real-time reporting.

Our specialist support team is available on 0800 028 9321, 9am-5pm Monday to Friday to handle any queries you may have. Alternatively, if you’re already a customer, you can contact your Account Manager.

In certain circumstances, we can support either Click+Collect or delivery to an alternative address. Please contact our support team on 0800 028 9321 to discuss further.