Should I offer financing to customers?
Short answer
If your average ticket is over $1,500, yes. It raises average ticket and close rate enough to cover the fee.
What changes
Customers stop thinking in total dollars and start thinking in monthly payment. Average ticket typically rises 20 to 40 percent. Close rate rises five to ten percent. Both more than cover the 7-10 percent finance fee.
How to present
Always offer two paths: pay in full or finance at X per month. Don't lead with finance. It's an option, not a default.
Ask your version of this question
This is one business owner-tested take. Your shop size, trade, and team change the answer. Ask the exact version inside Ask a Shop Owner and get a response grounded in how owners like you actually handled it.