The Challenge

A large high street retailer wanted to grow their business with a new customer focused, innovative flexible credit plan which would provide their customers with choice and flexibility.


Create a finance plan giving customers:


A tailor made finance plan to suit their budget and needs.


Quick & simple application process, payment options and competitive APR.


Online Account Management and multi-channel repeat spend options.

The Solution

Flexible Finance Plan

The flexible finance plan was launched on the back of three years’ worth of consumer research by a leading UK high street retailer, which highlighted that shoppers find finance confusing and are looking for help in choosing the right payment option for them. The plan has been designed to be transparent, easy-to-manage and entirely customisable according to the customers' needs, with no hidden catches.

Customer benefits include:

  • All information they need to make an informed borrowing decision
  • Ability to control how much they want to pay and for how long within set parameters
  • Payment of a deposit or choose to pay nothing for the first six months
  • Overpayments or settle early at any time at no extra cost
  • Online account management tools
  • Ongoing credit enables additional purchases online, in-store and on mobile device to be made without the hassle of reapplying



  • High volume of flexible finance plan accounts opened in the first 3 months
  • Significant transaction volumes and repeat spend using the flexible finance plan account facility
  • A simplified application journey generating significant year on year increase in finance sales
  • Sales confirmed as above forecasted levels by the retailer
  • Extremely positive feedback from both customers and retailer staff

If you're interested in how we can grow your business, get in touch

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