How to Offer Customer Finance for Massage Chairs

Introduction

The luxury and health benefits of massage chairs make them a popular purchase, but their high price point often means customers need flexible payment options. If you run a business selling massage chairs, retail finance can help you make these big-ticket items accessible, boost your sales, and deliver a great customer experience.

Why Offer Finance for Massage Chairs?

• Wider Audience: Attract customers who can’t pay upfront.
• Increased Sales Value: Finance options encourage shoppers to select more premium chairs.
• Competitive Edge: Stand out from rivals not offering finance.
• Customer Loyalty: Smoother buying experience builds repeat business.

Setting Up Massage Chair Finance

1. Choose a Finance Provider
   Partner with a reputable UK retail finance broker (like Kandoo) that specialises in personal loans or point-of-sale finance.

2. Integration
   Add finance calculators and application processes to your website and in-store sales systems.

3. Staff Training
   Teach your sales team how to explain finance options, eligibility, and application procedures.

4. Compliance
   Ensure your business complies with Financial Conduct Authority (FCA) regulations.

Types of Finance to Offer

"Offering finance can transform a hesitant shopper into a paying customer in just minutes."
— Retail Finance Expert

How It Works – The Customer Journey

1. Selection: The customer chooses a massage chair.
2. Application: Customer applies for finance (online or in-store), typically providing basic details and a soft credit check.
3. Decision: Finance provider issues instant approval or further requests.
4. Sign-Up: On acceptance, documents are signed electronically.
5. Purchase: Chair delivery can be arranged once finance is finalised.

💡 Tip: Keep the application process as simple and transparent as possible to reduce drop-offs.

Legal and Regulatory Considerations

• Must be FCA authorised (or work with an authorised broker).
• Provide transparent information on costs, terms, and credit implications.
• Offer fair, responsible lending—never pressure customers to take finance they cannot afford.

Marketing Your Finance Options

• Website Banners: Promote finance with clear, persuasive messaging.
• In-Store Signage: Place reminders near massage chairs.
• Staff Scripts: Equip your sales team with FAQs and example repayment breakdowns.
• Social Media: Share case studies or testimonials from satisfied customers.

Advantages for Your Customers

• Flexible payments fit their monthly budget.
• No pressure to pay a lump sum upfront.
• Opportunity to buy a better-quality chair.

Costs & Considerations for Retailers

• Some providers charge a subsidy or commission per financed sale.
• Chargebacks or cancelled agreements may affect payouts.
• Check integration fees or monthly service charges.

"Finance helps us close more sales and keep customers happy—they love spreading the cost!"
—UK Massage Chair Retailer

Frequently Asked Questions

Q: Does offering finance impact my business’s cash flow?
A: Normally, you receive payment upfront from the finance provider, improving cash flow.

Q: How long does approval take?
A: Most applications are approved instantly; some may need further checks.

Q: Can I offer 0% finance?
A: Yes, but you may need to pay a subsidy on the sale.

Ready to Boost Your Sales?

Finance can make massage chairs accessible to more customers. Choose the right broker, train your team, and promote your offer—then watch your sales grow.

Get in touch with Kandoo today to see how easy it is to set up customer finance.