Finance

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.

We offer:
- Payment terms between 12 and 36 months
- APRs from 0% to 24.9%

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

You can check your repayment options and affordability using our finance calculator, which can be found at checkout, see below for examples.

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 and pay your deposit
- Wait for your order to arrive

FAQs

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.

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.

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:
- Through the Customer Self Service Portal.
- By email at customerenquiries@ocrf.co.uk
- By telephone on 0333 240 8317.

Are there any fees for repaying my loan early?

There may be a fee for early repayment depending on the type of loan. Your Credit Agreement will detail the applicable fees for your product.

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.

If I need to make a complaint, who do I contact?

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:
- By telephone on 0333 240 8317.
- Email: complaints@ocrf.co.uk.
- By Post: Complaints, Omni Capital Retail Finance Ltd, Customer Services, PO Box 6990, Basingstoke, Hampshire, RG24 4HX.

Financial Difficulties: Who do I speak to if I want to discuss my loan,
or I’m having trouble with my repayments?

Information about how Omni can support you if you miss a repayment can be found on their website: https://omnicapitalretailfinance.co.uk/money-worries/

Use of 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 will use your data to determine your finance offer. They will also 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 at https://www.omnicapitalretailfinance.co.uk/
privacy-policy/.

Omni Capital Retail Finance Limited will provide you with a copy of their Privacy Policy with your loan documents.

Financial Disclosure

Serenco (UK) Limited is registered in England and Wales with company number 3897128. Registered address: Unit 3, Wellingborough Road, Sywell, Northamptonshire, NN6 0BN. Terms and Conditions can be found at www.boxo.co.uk/pages/terms-conditions. Serenco (UK) Limited acts as a credit broker and offers credit products exclusively from Omni Capital Retail Finance. Serenco (UK) Limited is authorised and regulated by the Financial
Conduct Authority, registration number: FRN 844736.

Finance is provided by Omni Capital Retail Finance Ltd which is a credit provider/lender. Serenco (UK) Limited 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.

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: 720279.