Person in furniture store.

Barclays Partner Finance

Give your sales a boost with retail finance

From jewellery to home improvements, we work with a wide variety of retailers to provide point-of-sale (POS) finance for your customers.

Person smiling and looking at phone.

Flexible payment options that can help grow your business

We’ve worked with some of the UK’s leading retailers for over a decade, helping over 1.7 million customers to buy the things they really want.

We can help you adapt to buyers’ changing demands by providing a seamless purchase experience for your customers, with flexible payment options at the checkout – both in-store and online.

We’ll work closely with you on everything, from integrating your systems to training your staff – and you’ll have a dedicated relationship manager to support you every step of the way.

Helping customers spread the cost

Offering finance as a payment option can attract new customers and increase the amount they spend with you.

  • 54% of consumers wouldn’t have been able to make the same purchase without finance1
  • 51% of consumers said having the option to spread the cost into fixed monthly payments would make the more likely to buy a high-value item2
  • 69% of consumers who used POS finance said it enabled them to buy the item sooner1

The benefits to your business

Increased conversion rates

POS finance is an attractive option for customers looking to buy a high-value item that they couldn’t necessarily afford, or wouldn’t want to pay for in one go.

By giving the option to spread the payments into fixed monthly amounts they can comfortably afford – with low or 0% APR – you can attract more customers and increase sales.

Couple shopping.

Increased basket size

With the option to spread payments, customers can choose a repayment amount that fits their monthly budget, giving them the flexibility to spend a bit more on the higher-end products they really want.

83% said POS finance meant they were able to spend more overall, and 44% said it helped with budgeting1.

Reduce drop-out

Our application process is integrated into the purchase journey, making it easy for customers to apply for finance and get a decision in minutes. This helps to reduce drop-out rates at checkout.

27% said if finance wasn’t available, they’d go to a different retailer where it was1.

Available finance options

Interest-free credit

The purchase price is simply divided by the number of months over which the customer wants to pay and no interest is added. 

  • Various terms available, starting from 3 months
  • For purchases between £250 and £50,000
  • No deposit needed
  • No early repayment fees – can be settled anytime

Interest-bearing credit

Like interest-free credit, only interest is charged across the whole term and, though the customer can settle the balance in full at any time, there might be an early repayment fee.

Buy now, pay later

This option can help you attract customers who wouldn’t otherwise be able to shop with you at that time, by deferring payment to a later date.

  • The first payment is deferred for a set period or a specific date by means of a payment holiday
  • Competitive fees compared with other financing options, like personal loans or credit cards
  • Customers are able to wait to confirm they’re happy with the product before payments start
Person shopping.

Retail sectors we work with

We work with a wide variety of retailers in the following sectors, with examples of some of the items we cover. This isn’t a comprehensive list and we partner with businesses that don’t fit neatly into one of the categories below. So if this is you, we’d still love to hear from you.

  • Electrical – audio-visual, kitchen appliances, personal computing, phones and tablets
  • Home improvement – kitchens, windows, heating, conservatories, bathrooms
  • Furniture – sofas, beds, wardrobes, dining
  • Sports and leisure – hot tubs, golfing equipment, electric bikes
  • Other – jewellery, motor accessories like alloy wheels and car sound systems

Want to know more?

If you’re interested in attracting more customers and giving your sales a boost, get in touch.

Other funding options

Compare our business borrowing with borrowing offered by other lenders 3. You can find out more about the government’s Bank Referral Scheme [PDF, 1.4MB], including eligibility information.

Funding Options

Its award-winning technology searches the market to find the right funding for your business’ situation. It’s quick, easy to use, and their team’s on hand if you need help.

Alternative Business Funding

It offers a free and easy way to find different funding options, focusing on making things simple for business owners who don’t have much time on their hands.

Funding Xchange

It shows you competing offers from lenders, to make sure you see the best terms. You’ll see quotes from up to 45 lenders, in a simple format, so you can easily compare and choose the offer that’s best for your business.


It shows you the broad range of funding options that are available to businesses across the UK and Ireland. After assessing your needs, it matches you with the right solution from over 1000 providers.

Important information

  1. Barclays Partner Finance research survey ‘Consumer insights report’ – based on the responses of 1,026 UK consumers – October 2018
  2. Barclays Partner Finance research survey ‘Has your customers' spending really changed?’ – based on the responses of 1,028 UK consumers – July 2020
  3. We show you other options because we want to make sure you make the best decision for your business.