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- Finance Solutions
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What’s new?
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What’s new?
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Established in 1981, Cosatto is a company that combines Italian heritage with Bolton roots to provide colourful, quality products for babies. Their groundbreaking range of highly-rated products includes prams, pushchairs, car seats, high chairs, and more, with a 4-year guarantee and no-hassle home delivery.
Understanding that having a child can be a costly experience, Cosatto wanted to offer their customers as many payment options as possible
Cosatto partnered with multiple retail finance providers, who offered a range of lending options between them. However, the business was looking to partner with a provider who could offer finance for their higher-ticket items, as they were seeing lower volume of credit sales due to lending limits from their providers.
Cosatto decided to replace one of its existing providers with Zopa’s retail finance solution, DivideBuy, to boost sales of its more expensive products. With regulated and unregulated interest free and interest bearing options which offered a credit limit of up to £12,500, Zopa’s product suite was the perfect solution for Cosatto’s dilemma.
Thanks to a seamless customer journey and a superior decisioning engine, Cosatto began experiencing an increase in approval rates for higher-ticket items. DivideBuy’s regulated finance journey also offered customers alternative borrowing options if they weren’t approved for their original loan request – helping turn more browsers into buyers.
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Gen X overtake Millennials in sports and fitness product finance spending
The average Retail Finance order for UK sports and fitness products reached £1502 in 2024, up 111% from £709 in 2023. Read the full report.
Why Zopa Bank is the Retail Finance partner you need right now
Traditional lending options can be restrictive, and many lenders are facing internal challenges. At Zopa Bank Retail Finance, we’re in a strong position to offer stable, long-term support.
Does your Retail Finance journey inspire confidence?
Does your Retail Finance journey inspire confidence? The customer experience needs to engage your shoppers before, during, and after their Retail Finance purchase. It’s not just about the transaction. It needs to create trust, convenience, and, obviously, a reason to shop again.
Millennials and high earners drive surge in garden product finance
The average Retail Finance order for UK outdoor and garden merchants reached £1095 in 2024, up 23% from £891 in 2023. Read the full report.
Interest free credit agreements provided by Zopa Bank Limited trading as DivideBuy that are 12 months or less in duration are not regulated by the Financial Conduct Authority and do not fall under the jurisdiction of the Financial Ombudsman Service. Zopa Bank Limited trading as DivideBuy is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, and entered on the Financial Services Register (800542). Zopa Bank Limited (10627575) is incorporated in England & Wales and has its registered office at: 1st Floor, Cottons Centre, Tooley Street, London, SE1 2QG. VAT Number 281765280. DivideBuy’s trading address is First Floor, Brunswick Court, Brunswick Street, Newcastle-under-Lyme, ST5 1HH. © Zopa Bank Limited 2025. All rights reserved.
Closing Date: Sunday 20th April 2025
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