Finance Calculator

A loan from Omni Capital can help you spread the cost of your purchase with fixed monthly payments. Please select a deposit amount and loan term below to see a representative example of your purchase using finance.

Choose a deposit amount that suits you, ranging from 10.00% to 50.00% of the purchase amount.

£0.00

Choose from the available loan products the term and APR that best suits your needs. A longer term reduces monthly payment amount but may increase the amount of interest paid.

First Installment: £0.00

Monthly Installment: 35 x £0.00

Representative Calculation

  • Order Amount: £0.00
  • Deposit Payment: £0.00
  • Finance Amount: £0.00
  • Repayment Term: 36 months
  • Interest Charged (APR): 0.00%
  • First Installment: £0.00
  • Monthly Installment: 35 x £0.00
  • Total Amount Payable: £0.00
  • Total Amount Payable Now: £0.00

Please note, Omni Capital Retail Finance is only available to UK residents over 18, subject to terms and conditions. To apply for finance, please add the product to your shopping cart, proceed through checkout and select "Pay by Finance" as your payment option.Your purchase will be delivered to the address provided on your application.
Minimum spend for interest free credit may apply. Ask for more details.

Finance Options with Omni Capital

Finance Offer

Are you thinking of spreading the cost of your purchase?

Finance is a great way to spread the cost of your purchase, if used responsibly. 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.

More about our finance options

Our monthly payment plans are designed to help make your purchase more affordable.

  • Payment terms between 12 and 36 months at 0.0% interest
  • Payment terms between 12 and 48 months at 9.9% APR

Always make sure you can afford repayments for the full term. Consider future life changes like job moves, retirement or health matters.

Happy Couple Shopping

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.

Check your eligibility

  • 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.

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).

Paying with finance

The process for making your purchase using finance couldn’t be easier. Simply:

FAQs

Applying for a loan: 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 country 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.

www.omnicapitalretailfinance.co.uk/

What happens after I have submitted my application?

Your application will be assessed based on eligibility, credit history and affordability and Omni will let you know the outcome in just a few seconds. Your application may be referred to a lender for manual assessment and you may receive a request for additional information to support your application.

What happens if my application is accepted?

Once your application is accepted you will be prompted to review and sign your credit documentation. This documentation will detail all the important information about your loan and should be read carefully.

What happens if my application is referred to an Underwriter?

You will receive a response from the Underwriter within 20 minutes of the application being referred during normal working hours. This can either be an accept, decline or a request for more information. If more information is requested, you will receive an email detailing the information required. If you have any questions, you can contact the Underwriting Team at underwriting@ocrf.co.uk.

What happens if my application is declined?

If your application was declined, Omni may be unable to give you specific reasons why. Omni use information from your credit report, alongside your income and expenditure data to make a lending decision. You will receive an email which will provide further details of the Credit Reference Agencies and contact information for any queries you may have. www.omnicapitalretailfinance.co.uk

Managing my loan: When do my monthly repayments start?

After your goods or services have been provided your loan will be activated. Your first Direct Debit payment will be taken approximately 30 days after you receive your welcome email from Omni. This will show on your statement as a payment to Omni. You can request to change your monthly payment date after the first payment has been made by contacting Omni and speaking to their customer services team on 0333 240 8317. You will also be registered for their Customer Self Service portal, where you will be able to change the payment date yourself.

How can I contact the lender to discuss my loan?

There are three ways to contact Omni:

Are there any early repayment fees?

This will depend on the type of loan you have taken out — please check your Credit Agreement for confirmation of any applicable fees.

Can I cancel my finance agreement?

You have 14 days to cancel your credit agreement, please note that to cancel your goods and services you will need to speak to us directly. Cancelling your finance agreement with Omni without cancelling the goods and services will mean payment for the goods and services will still be required. www.omnicapitalretailfinance.co.uk

What should I do if I want to make a complaint?

If you are unhappy with the level of service Omni have provided or anything Omni have done, you can let them know in the following ways:

What should I do if I experience financial difficulties?

If you are experiencing financial difficulties and are worried about meeting your repayments, you can find useful advice and support on the Omni Capital Retail Finance website at:

omnicapitalretailfinance.co.uk/money-worries

How will Omni use my personal data?

Omni will use your personal data to process your application, perform creditworthiness and affordability assessments, to comply with regulatory obligations, and to manage your loan agreement. You can find full details of how Omni use and store your personal data in their privacy policy, which is available at:

www.omnicapitalretailfinance.co.uk

Omni Capital Logo