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Paying with Finance
Omni Capital Finance offer a range of different plans to suit your needs. Subject to age and status.
1. Shop
Look for the Finance Calculator on items over £280. Select your preferred finance term and deposit, then add the item to your bag.
2. Apply
Navigate to the Checkout page to select the delivery options, and ensure Pay by Finance is selected. Once you hit the Pay by Finance, it will redirect it to Omni Capital Finance site to complete the application.
3. Decision
You will normally get a decision within few moments.
4. Deposit
You will pay 10% minimum deposit once your application is accepted.
5. Enjoy
Once the Agreement is signed, you can be able to redirect back to the Order Confirmation page on the website and we will send your order to the Omni Capital Billing Address.
If you choose to pay for your order using Omni Capital Finance your order must be delivered to your billing address. Interest Free Credit is not available on orders delivered 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, if you fail to keep up with your repayments there will be other consequences. 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.
There may also be charges that apply for recovery of missed/late payments or collection of 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 so 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 protect your personal data here: https://www.omnicapitalretailfinance.co.uk/privacy-policy/
Omni Capital Retail Finance Limited (your lender) will provide you with a copy of their 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 when applying for finance that both a soft and hard credit check is 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.
Your application may be referred to Omni Capital Retail Finance for manual review in in some cases. 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 to the credit bureau used in rendering the loan application decision. You can find these details in Omni’s Privacy Policy documents here: www.omnicapitalretailfinance.co.uk.
Repaying the loan
Your first direct debit payment will be taken approximately 15 to 30 days after you receive your good 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
There is a 14-day cooling-off period where you can withdraw from the credit agreement after receipt of your goods or services.
Should you have a complaint about Omni Capital Retail Finance Limited then please refer to https://www.omnicapitalretailfinance.co.uk/contact/complaints/ for details of their procedures.
Disclosure
Camera Centre UK Ltd is registered in England and Wales. Camera Centre UK Ltd acts as a credit broker and offers credit products from Omni Capital Retail Finance. Camera Centre UK Ltd is authorised and regulated by the Financial Conduct Authority, registration number: 704348.
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 www.omnicapitalretailfinance.co.uk.
Finance is provided by Omni Capital Retail Finance Ltd which is a credit provider/lender. Camera Centre UK 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: 72027
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 |
Once my application is approved, what happens next?
Once you have agreed to the terms of the finance agreement and paid the deposit Camera Centre UK will be notified and you need do nothing more.
Note that products will not be allocated to your order until your completed and signed agreement is received by Omni Capital Retail Finance. Shipment of your goods will follow soon after your agreement has been returned and received.
Will you credit score me and if so, what does this mean?
Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies.
This information allows consistent decisions to be provided, ensuring all applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.
What type of information do credit reference agencies hold about me?
Some of the information is public information, for example electoral roll, County Court Judgments and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.
How do I obtain a copy of this information?
Send a request to the relevant credit reference agency, together with details of all addresses at which you have lived over the last 6 years:
• Experian Limited, Customer Support Centre, PO Box 9000, Nottingham, NG80 7WF
• Equifax Ltd., Customer Service Centre, PO Box 10036, Leicester, LE3 4FS
• TransUnion International UK Limited, Consumer Services, PO Box 491, Leeds, LS3 1WZ
The above listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.
If my application is not successful, can I re-apply?
Yes. We acknowledge that circumstances change and just because a previous application has been refused, it does not mean that a further request will automatically be turned down. We do suggest however, that you leave at least 6 months between applications.
Can I request delivery to an address other than my home?
In order to safeguard against fraudulent applications, we're able only to deliver goods to the address provided in your application.
Is there a cooling off period?
Yes, you have 14 days to withdraw the agreement. If you don’t wish to continue, please call the Omni Capital Customer Service Team on 0333 240 8317 within this time period or we'll assume you're happy with everything and you will be bound by the terms of your loan.
A payment plan does not affect our standard refund and returns policy. Just contact us and we’ll cancel your application and the lender will refund your deposit and let you know of any outstanding balance if applicable.
For any other questions contact Camera Centre UK on 029 2233 7037 or info@cameracentreuk.com
