Finance
Finance Options with Omni Capital Retail Finance
Are you thinking of spreading the cost of your purchase? Finance is a great way to make your purchase more affordable. We have teamed up with Omni, one of the UK’s leading finance specialists, so that you can apply for and complete a loan application quickly and easily. The online application process only takes a couple of minutes to complete, and you will receive confirmation of whether your application has been successful, or referred for further consideration, instantly.
Our Finance Options
We offer:
| Full name | Annual interest rate | Minimum advance | Maximum advance |
|---|---|---|---|
| 6 months Interest free (0%) | 0.00% | £250.00 | £15,000.00 |
| 9 months Interest free (0%) | 0.00% | £250.00 | £15,000.00 |
| 12 months Interest free (0%) | 0.00% | £250.00 | £15,000.00 |
| 24 months interest bearing (19.90%) | 19.90% | £250.00 | £15,000.00 |
| 36 months interest bearing (19.90%) | 19.90% | £250.00 | £15,000.00 |
| 48 months interest bearing (19.90%) | 19.90% | £250.00 | £15,000.00 |
It’s important to remember that you should only enter into a finance agreement if you are sure you can afford the repayments for the full term of the loan. Whichever finance option you choose to apply for, you need to be sure that you can afford to pay the deposit and keep up with your monthly repayments. You should think about any changes to your situation that might occur during the term of the loan, which could affect your income or expenditure, for example – retirement, moving home, changing jobs, or any health issues.
Finance options are a form of credit. If you fail to maintain your payments, your lender could ask a debt collector to contact you or commence legal action to recover the money you owe. A poor repayment record will affect your credit file.
Check Your Eligibility
You can be considered for finance if you:
- Are at least 18 years old
- Are a permanent UK resident and have lived in the UK for at least 3 years
- Have a gross annual income of at least £5,000
- Have a UK bank account capable of accepting Direct Debits
- Have a good credit history with no late payments, Debt Relief Orders, County Court Judgments or bankruptcies
- Meet any other Omni criteria
Please remember that your application for finance isn’t guaranteed to be accepted, and that all applications are subject to status.
Finance Calculator
See below for an example.
| Finance type | 6 Months Interest Free Credit (0% APR) |
|---|---|
| Price | £599.99 |
| Deposit | 10% (£60.00) |
| Loan Amount | £539.99 |
| Monthly Payment | £89.99 |
| Number of Payments | 6 |
| Total Amount Payable | £599.99 |
| Cost of Loan | £0.00 |
FAQs
Am I eligible to apply for finance?
You are may be eligible to apply for finance if you:
- Are at least 18 years old.
- Have a gross annual income each year of more than £5,000.
- Are a permanent UK resident and have lived in the UK for at least 3 years.
- Have a UK bank account capable of accepting Direct Debits.
- Are not currently bankrupt, subject to an Individual Voluntary Agreement (IVA), or have any county Court Judgements (CCJs).
- Provide an email address so your documentation can be emailed to you.
Will a credit search be registered against me if I apply?
Omni will perform a 'soft' credit search on your credit file as part of their assessment, to determine whether the loan is affordable for you and if you are likely to make your repayments on time. It’s important to know that an application for credit will only result in a ‘soft’ search on your credit file until the point your application for finance is complete, at which point a 'hard' credit check will be recorded on your credit file. Only you can see that a 'soft' search has been made on your credit file, but a 'hard' credit check will be visible to others viewing your credit file, for example, if you apply for credit in the future, the lender will see that an application credit search was made on your credit file.
Contact Us
If you need to make a complaint or have any questions about your loan, please contact Omni Capital Retail Finance through the following methods:
- By telephone: 0333 240 8317
- By email: complaints@ocrf.co.uk
- By post: Complaints, Omni Capital Retail Finance Ltd, Customer Services, PO Box 6990, Basingstoke, Hampshire, RG24 4HX
For more information about managing your loan, visit Omni’s website: Money Worries
Financial Disclosure
Company name is registered in England and Wales with company number [company number]. Registered address: [Registered address]. Terms and Conditions can be found at [T&Cs website address]. Company name acts as a credit broker and offers credit products exclusively from Omni Capital Retail Finance. Company name is authorised and regulated by the Financial Conduct Authority, registration number: [FCA number].
Finance is provided by Omni Capital Retail Finance Ltd which is a credit provider/lender. Company name does not receive payment for introducing customers to Omni Capital Retail Finance.
Omni Capital Retail Finance Ltd finance options are subject to individual status, and terms and conditions apply. Your application will be subject to a credit check using a recognised credit reference agency as part of our assessment process. You can find Omni Capital Retail Finance's Terms and Conditions at www.omnicapitalretailfinance.co.uk.
Paying with Finance
The process for making your purchase using finance couldn’t be easier. Simply:
- Place the item (or items) in your basket
- Choose your payment plan
- Complete the application
- Wait for your order to arrive
Our Finance Provider – Omni Capital Retail Finance
You’re in safe hands with our finance provider, Omni Capital Retail Finance. Omni was founded in 2009, is part of Castle Trust Group, and is one of the UK’s leading finance specialists. It is authorised and regulated by the Financial Conduct Authority (reference number 720279).