Consumer Finance Isn't "Just Another Payment Option"
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Consumer Finance Isn't "Just Another Payment Option"
Most merchants still treat consumer finance like “just another payment option.”
That single mistake is quietly killing their sales.
Keep reading to discover the truth and learn how you can make consumer finance work for your business.
"Finance is just another payment option..."
This is the biggest myth costing merchants millions.
Consumer finance is NOT just another payment method.
It’s the spark that creates the buying decision.
The Psychology
Finance changes how customers feel long before checkout:
- It removes the mental barrier of upfront cost.
- It aligns monthly outlay with perceived value (“£67 a month feels easier than £2,999 today”).
- It triggers endowment effect – once someone imagines owning it on finance, walking away feels like a loss.
Why Bother?
The data shows:
- Furniture retailers see up to 40% uplift in average order value with 0% finance.
- Motorcycle and bicycle dealers regularly convert 1 in 3 visitors when interest-free is offered.
- Elective healthcare and vocational training providers close deals that would otherwise stay “maybe next year”.
The Real Competition
Finance doesn't compete with cards, it competes with procrastination, tight budgets, and fear of commitment.
When promoted properly it becomes the most powerful sales accelerant on your website and in your showroom.
If you’re still treating finance as an afterthought, you’re leaving significant revenue on the table.
Grow Your Business with Consumer Finance
Join top-performing retailers, installers, health and training providers and structure your finance offering to drive sales growth.
At FinMatch, we're here to help you grow with expert finance solutions.
Contact us to learn more!
