Omni Capital Finance
Omni Capital Finance offer a range of different plans to suit your needs. Subject to age and status.
1. Shop
Look at the Finance Calculator on products over £280. Select your preferred finance term and deposit, then add the item to cart.
2. Apply
Navigate to the Checkout page to select the delivery options, and ensure Pay by Finance (Omni Capital) is selected. Once you click Place Order you will be redirected to Omni Capital Finance site to complete the application.
3. Decision
You will normally get a decision within a few moments.
4. Deposit
Once your application is accepted a minimum of 10% deposit is required.
5. Enjoy
Once the Agreement is signed, you can go back to the Order Confirmation page on the website. We will send your order to the Billing Address provided on Omni Capital application.
If you choose to pay using Omni Capital Finance, your order must be delivered to the billing address provided on the application. Finance is not available outside the UK.
Apply for Finance with Omni Capital Retail Finance Limited
You’ll be automatically redirected to Omni Capital Retail Finance Limited’s website to complete your finance application online. If successful, your agreement begins. Once your initial payment is received, your order is complete!
Qualifying
You’ll only be considered for finance via Omni Capital Retail Finance Limited if you meet the following requirements:
- 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 Judgments (CCJs)
- Have an email address so your documentation can be emailed to you.
Please note: Finance payment plans provided by Omni Capital Retail Finance Limited are not secured against an asset, such as your home.
However, there will be other consequences if you fail to keep up with your repayments. The repercussions include but are not limited to, receiving a bad credit score, making it difficult for you to borrow money or get credit. This could affect your ability to get other financed items, such as mobile phone contracts, and you may be taken to court to retrieve the money.
Charges may also apply for recovering missed/late payments or collecting the outstanding loan amount in the event of default.
Use of your personal data
To process your application, you will be asked to provide information about your personal, employment and financial situation. Omni Capital Retail Finance Limited (the lender) – will use your data to determine your finance offer. Omni Capital Retail Finance Limited will perform a search with one or more Credit Reference Agencies to conduct checks for creditworthiness and any affordability assessments to help them make their decision.
You can find out more about how Omni Capital Retail Finance Limited uses and protects your personal data here: https://www.omnicapitalretailfinance.co.uk/privacy-policy/
Omni Capital Retail Finance Limited (your lender) will include a copy of its Privacy Policy with your loan documents.
Omni Capital Retail Finance Limited registered office address is Omni Capital Retail Finance Limited. Registered Office: 10 Norwich Street, London, EC4A 1BD
Finance Decision
Omni Capital Retail Finance Limited will let you know the outcome of your finance application in just a few moments. Your application will be assessed based on eligibility, credit history and affordability.
Please note that when applying for finance, both a soft and hard credit check are undertaken. Once all security checks have been completed, your credit agreement is signed, and your initial payment has been paid, the hard credit check is made. Until you sign the credit agreement, the credit search remains a soft search.
In some cases, your application may be referred to Omni Capital Retail Finance for manual review. You’ll be notified by email of the credit decision; however, these are often reviewed and processed within 20 minutes.
If you’re not approved for finance, you’re entitled to inquire with the credit bureau used to render the loan application decision. You can find these details in Omni’s Privacy Policy documents here: https://www.omnicapitalretailfinance.co.uk/privacy-policy/.
Repaying the loan
Your first direct debit payment will be taken approximately 15 to 30 days after you receive your goods or services.
This will show on your statement as a payment to your lender. You have the right to repay all or part of the loan early at any time.
Cancellation
You can withdraw from the credit agreement after receiving your goods or services during a 14-day cooling-off period.
Should you have a complaint about Omni Capital Retail Finance Limited, please refer to https://www.omnicapitalretailfinance.co.uk/contact/complaints/ for their procedures.
Disclosure
Regton Ltd is registered in England and Wales with company number 01595972. Registered address: 82 Cliveland Street, Birmingham, B19 3SN, United Kingdom. Regton Ltd acts as a credit broker and offers credit products from Omni Capital Retail Finance. Regton Ltd is authorised and regulated by the Financial Conduct Authority, registration number 722902
Your application will be subject to a credit check using a recognised credit reference agency as part of the assessment process. Finance is subject to credit status and is limited to UK residents aged 18 years and over. You can find Omni Capital Retail Finance’s Terms and Conditions at https://www.omnicapitalretailfinance.co.uk/terms-conditions/.
Omni Capital Retail Finance Ltd, a credit provider/lender, provides finance. Regton Ltd does not receive payment for introducing customers to Omni Capital Retail Finance. Omni Capital Retail Finance Ltd finance options are subject to individual status; terms and conditions apply. Omni Capital Retail Finance Ltd is registered in England and Wales with company number 7232938. Registered address: 10 Norwich Street, London, EC4A 1BD.
Authorised and regulated by the Financial Conduct Authority, Firm Reference Number: 722902
Get an idea of Omni Capital Finance Payments.
| Upto 12 Months 0% Interest-Free Credit | Upto 24 Months 0% Interest-Free Credit | Upto 36 Months 0% Interest-Free Credit | |
| Purchase Amount | £1000 | £1000 | £1000 |
| Finance Term | 12 Months | 24 Months | 36 Months |
| Deposit (10%) | £100 | £100 | £100 |
| Amount of Credit | £900 | £900 | £900 |
| Interest Rate (APR representative) | 0% | 0% | 0% |
| Interest Amount | £0.00 | £0.00 | £0.00 |
| Monthly Payment | £75.00 | £37.50 | £25.00 |
| Total Amount Payable | £900 | £900 | £900 |
Omni Capital Finance FAQs
How long can I take out on Finance?
The Omni Capital Finance offers range of Finance terms. You can choose your preferred finance term on the product and checkout page.
How do I choose to pay by Finance?
Just select the finance option on the checkout page and hit the Pay by Finance button.
Who is eligible to apply for online finance?
To apply for finance, you must be over the age of 18. You must also be a resident of the United Kingdom.
Once my application is approved, what happens next?
Within minutes of your application being approved, you will be given the option to sign your credit agreement. If you are offered the ability to e-sign your credit agreement and choose to do so, a PDF of your credit agreement will be displayed on the screen. You should read the credit agreement carefully before clicking all the relevant sections agreeing to its terms. Once you have agreed to the credit agreement terms, we will be notified, and you need to do nothing more.