Finance available

27 August 2025

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 option(s)

Our monthly payment plan(s) are designed to help make your purchase more affordable.

We offer:

Deferred payments for X months
A payment term of X months / Payment terms between X and Y months
Interest free finance / An APR of X.X% / APRs from X.X% to Y.Y%

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.

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.

Representative examples

Option 1 – 0% finance over 10 Months

Goods Price £750.00
Initial Payment £10.00
Total Amount of Credit £740.00
10 Monthly Payments £74.00
Total Amount Payable £750.00
Cost of Credit £0.00
Agreement Duration 10 Months
Representative APR 0% APR

Option 2 – 9.9% finance over 24 Months

Goods Price £1,500.00
Initial Payment £150.00
Total Amount of Credit £1,350.00
24 Monthly Payments £61.97
Total Amount Payable £1,637.29
Cost of Credit £137.29
Agreement Duration 24 Months
Representative APR 9.9% APR

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:

Place the item (or items) in your basket
Choose your payment plan
Complete the application
Wait for your order to arrive

FAQs

Applying for a loan: Am I eligible to apply for finance?
You 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 as part of their assessment. Only you can see a soft search. If your application completes, a ‘hard’ credit check will be recorded on your credit file and visible to other lenders.

What happens after I have submitted my application?
Your application will be assessed based on eligibility, credit history and affordability. You may receive an instant decision, or be referred for manual assessment.

What happens if my application is accepted?
You will be prompted to review and sign your credit documentation, which details all the important information about your loan.

What happens if my application is referred to an Underwriter?
You will receive a response within 20 minutes during normal working hours. This can be an accept, decline, or a request for more information.

What happens if my application is declined?
Omni may be unable to provide specific reasons. Decisions are based on your credit report, income and expenditure data. You will be provided with contact details for the Credit Reference Agencies used.

Managing my loan

When do my monthly repayments start?
After your goods or services have been provided your loan will be activated. Your first payment will be taken about 30 days after your welcome email.

Can I change my payment date?
Yes, after your first payment you can request this via Omni’s customer services team or through their Customer Self Service portal.

How can I contact the lender?

Customer Self Service Portal
Email: customerenquiries@ocrf.co.uk
Phone: 0333 240 8317

Are there fees for repaying early?
There may be a fee depending on your loan type. Check your Credit Agreement.

Can I cancel my finance agreement?
You have 14 days to cancel your credit agreement. To cancel the goods/services, you must contact us directly.

Complaints & Financial Difficulties

Complaints:

Phone: 0333 240 8317
Email: complaints@ocrf.co.uk
Post: Complaints, Omni Capital Retail Finance Ltd, PO Box 6990, Basingstoke, Hampshire, RG24 4HX

Financial Difficulties:
If you’re struggling with repayments, visit: https://omnicapitalretailfinance.co.uk/money-worries/

Use of personal data

To process your application, you will be asked for personal, employment, and financial information. Omni will perform checks with Credit Reference Agencies.

Find out more in their Privacy Policy: https://www.omnicapitalretailfinance.co.uk/privacy-policy/

Financial Disclosure

[Retailer name] is registered in England and Wales with company number [Company Registration Number].
Registered address: [Registered office address].
Terms and Conditions: [www.retailerwebsite.co.uk/terms].

[Retailer name] acts as a credit broker and offers credit products exclusively from Omni Capital Retail Finance. [Retailer name] is authorised and regulated by the Financial Conduct Authority, registration number [FCA Registration Number].

Finance is provided by Omni Capital Retail Finance Ltd, registered in England and Wales (Company No. 7232938). Registered address: 10 Norwich Street, London, EC4A 1BD. Authorised and regulated by the Financial Conduct Authority, FRN 720279.