Finance that makes you look good

Embed fair & customisable finance with etika

Browsers become buyers

Whether on-premise or online, affordable finance for more customers means retained sales and higher conversion rates for your business.

etika’s improved customer journey and fitting finance has delivered a total conversion uplift of 30%.

Positive finance experience

Credit rejections leave customers thinking negatively about retail brands. 54% of customers would feel very upset or upset if rejected for credit by an online retailer and 23% would not return*.

Our soft credit check option can eliminate hard credit check rejections altogether and offers your customers a budget for their shopping.

Strengthen customer bond

Strengthen your customer bond

With our best-in-class user experience and finance without any late or hidden fees, we help you build stronger relationships with your customers.

The two biggest barriers to applying for 0% interest credit (£500+) are the assumption of hidden fees (15%), and concerns around the effect on credit scores (12%).*

Your payments settle next day

Settlements are paid directly into your bank account each day and our merchant fees are transparent.

Finance solutions for a range of products and services

Offer flexible financing for sports & fitness equipment

Upfront payments, payment holidays, payment frequency, durations & referrals.

Pay the borrower a portion of the loan repayment if they achieve fitness goals.

Encourage shoppers to upgrade their equipment with intelligent upsells.

Sell consumer electronics with ease

Upfront payments, payment holidays, payment frequency, durations & referrals.

Pay the borrower a portion of the loan repayment if they achieve fitness goals.

Encourage shoppers to upgrade their equipment with intelligent upsells.

A seamless integration

Easily integrate with popular platforms such as Magento, Magento 2 and Woocommerce. Support is available in-house.

A custom solution

You can choose the amount, duration, and frequency of payments that suit your needs.

Built in-house

Built in-house, with full control over core systems, and with local support.

Custom branding

Add your logo and brand colors to make it your own.

Easy integration

with our simple API documentation, you'll be up and running in no time.

Together, let's build something incredible

A photo of a lady checking her apple watch

"Vitality partnered with etika to deliver a tailored journey for Vitality members to access our Apple Watch & Amazon Prime benefits. The member journey is seamless - most members are able to complete the end-to-end process in just a couple of minutes. A big thank you to the etika team for their continued support, flexibility and customer service."

Nicholas Read - MD, UK Vitality Programme

*YouGov survey based on a sample size of 2,149 adults from the United Kingdom. Online fieldwork undertaken 18 - 19 October 2021. The figures have been weighed and are representative of all UK adults (aged 18+).

Frequently Asked Questions

What finance products does etika offer?

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.

Which retail finance product is right for my business?

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.

Is the process secure?

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.

When do I receive payments for goods?

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.

Is there any risk of bad debt?

No. We take full responsibility for any bad debt.

How easy is the application process for my customers?

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.

What happens if a customer’s application is declined?

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.

Do I need a license to offer consumer finance?

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:

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.

Is it complicated to support customers that have loans with etika?

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.

Who do I call if I need help or support?

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.

Is it okay to send the customer their products at an address other than the one on the loan agreement?

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.

Contact us

Contact Support

If you are a merchant and would like to learn more about partnering with etika, please send us a message and we will contact you.

Our office hours are Monday to Thursday from 9am to 6pm and Fridays from 9am to 2pm.
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