Smarterbuys Store is an ethical, low-cost furniture and white goods store selling products to people using affordable finance options. Smarterbuys Store is available to partnering housing providers via a franchise model that guarantees landlords a return on investment. This innovative scheme works perfectly with housing provider's existing financial inclusion schemes. The affordability checks carried out by Smarterbuys Store encourages tenants to monitor their finances and only pay out what they can afford to. This helps tenants to build their credit score whilst they save.