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Smiles LTD are a series of Dental Practices founded by Jamie Kerr & Avron Woolf Smith with a simple mission: to deliver a fantastic level of treatment at an affordable price point. The company is committed to delivering world-class levels of treatment which is accessible to all.
As the demand for private dental care soared, the company made the decision to offer point of sale finance to their customers. As booking dental work can be stressful, Smiles wanted to make the finance experience as easy and simple as possible
Lack of quality providers
Private healthcare – and particularly dental care – is not a space traditionally dominated by finance providers. Smiles found that standard providers like Klarna were not capable of trading with them.
Concerns over approval ratings
From the pool of providers able to offer dental care finance, approval ratings were low. Smiles wanted a provider who could responsibly approve a high number of customers, but was finding this difficult to source.
Poor customer experience
Along with low approval ratings, the finance providers Smiles looked at also had cumbersome customer journeys with long application forms. The company wanted a provider who could offer a stellar UX at every point.
Smile’s search for a point of sale finance provider came to an end when it approached DivideBuy, who were able to deliver a solution that met its needs.
The Solution
Smiles needed a point of sale finance provider who could offer a quick, seamless finance journey for its customers along with high approval rates. DivideBuy achieved this through the following actions.
Seamless finance journey
Smiles customers needed to pay for treatment online and instore. DivideBuy’s checkout journey takes less than two minutes to complete, from application to approval – with the same experience across both channels.
High approval rates
DivideBuy’s superior lending facilities, including soft credit checks and alternative borrowing options, meant more customers were able to access finance – with approval rates of 85%.
Tech-first finance solution
Smiles has multiple practices as well as online bookings, so customers needed the ability to apply for finance instore and online. DivideBuy provided tailored QR codes for instore use as well as seamless website integration.
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Tell us about you
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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.
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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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