A new wave in customer finance

Fair and simple finance for you and your customers.

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Fair, flexible finance for your customers

We offer your customers a convenient way to spread the cost of shopping with you, without hidden fees or costs. You get paid upfront whilst your customers get what they want or need now.
Ask us about fairer finance

Spotlight Customer

etika developed a customised finance solution for Vitality in the UK and Australia.

We provide interest-free loans to Vitality members for products that form part of certain benefits, allowing the members to pay them off over a period of 12-24 months.

Vitality members can reduce their monthly loan repayments by being active and achieving their tracked activity targets.

Benefits for you

We use unique lending technology to deliver flexible, affordable finance to more of your customers
Our platform offers interest-free, interest-bearing, soft check and bespoke finance products
We help take care of everything from integration and reporting, to fraud and risk
We’re the only finance platform that allows customers to check how much they can afford before they shop
Find out more

Benefits for your customers

etika gives your customers a fair and flexible way to spread the cost of shopping with you
We never charge late fees or hidden costs and our application process is transparent and simple
We use artificial intelligence and soft check technology to ensure that customers don’t borrow more than they can afford
We make borrowing money a positive experience by putting customers' financial wellbeing first
Find out more

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Frequently asked questions

The customer would like their products delivered to a different address from the one given on their loan agreement, is this ok?
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.
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 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.
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: 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.
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.
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.
Is there any risk of bad debt?
No. We take full responsibility for any bad debt.
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 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.
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.
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, buy now pay later, 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.

Have a question?

If you'd like to contact etika, please call 0800 028 9321 or email us.

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