Increase Average Order Value with Financing

Here's a psychological reality: customers don't buy based on total price. They buy based on what they can afford right now. When the only option is "pay in full today," many customers buy less than they want—or nothing at all.

Consumer financing changes the equation. A $600 purchase feels expensive. But $50/month for 12 months? That fits the budget. Suddenly, the customer doesn't have to compromise. They buy what they actually want.

This is why merchants offering financing consistently see average order values increase 30-50%. It's not manipulation—it's removing barriers that force customers to buy less than they need.

Consider a furniture store. Without financing, a customer might buy just a sofa for $800. With financing, they add the matching loveseat for $600 and an accent chair for $400—total $1,800. The monthly payment is still manageable. You've doubled the sale.

Or an electronics retailer. Without financing, a customer buys a mid-tier laptop for $600. With financing, they spring for the model they really want at $1,200, plus a case and accessories. Total order: $1,400.

The upsell opportunities multiply. When monthly payments are low, add-ons become easy yeses. Extended warranties, accessories, premium versions—all become more accessible when customers think in payments, not lump sums.

Unison Payment Solutions helps you implement financing as a strategic tool, not just a checkout option. We advise on promotional structures, messaging strategies, and upsell integration that maximize the AOV impact.