Finance with Omni Capital
Step-by-Step Process
1. Shop
Look for the Finance Calculator on items over £350. Select your preferred finance term and deposit, then add the item to your bag.
2. Apply
At checkout, choose your delivery option and select Pay by Finance. You’ll be redirected to the Omni Capital Finance site to complete your application.
3. Decision
A decision is normally provided within a few moments.
4. Deposit
Once your application is accepted, you’ll pay a minimum 10% deposit.
5. Enjoy
After signing the agreement, you’ll return to the order confirmation page and your order will be processed for delivery to your billing address.
Important Information
If you choose to pay using Omni Capital Finance, your order must be delivered to your billing address. Interest Free Credit is not available for orders delivered outside the UK.
Apply for Finance
You will be redirected to Omni Capital Retail Finance Limited’s website to complete your finance application online. If successful, your agreement begins, and once your initial payment is received, your order is complete.
Qualifying Criteria
You’ll only be considered for finance if you meet the following requirements:
- At least 18 years old
- Gross annual income over £5,000
- Permanent UK resident, living in the UK for at least 3 years
- UK bank account capable of accepting Direct Debits
- No current bankruptcy, IVA, or CCJs
- An email address for documentation
Please note: Finance payment plans are not secured against assets such as your home. Failing to keep up with repayments can result in a bad credit score and recovery charges.
Use of Personal Data
During your application, you’ll provide personal, employment, and financial details. Omni Capital Retail Finance Limited will use this information to assess your application, including checks with Credit Reference Agencies. Learn more in their Privacy Policy.
Finance Decision
Decisions are usually instant but may be referred for manual review, typically within 20 minutes. Both soft and hard credit checks are undertaken.
Repayment & Cancellation
- First direct debit payment: 15–30 days after goods are received
- Option to repay loan early at any time
- 14-day cooling-off period from receipt of goods
Complaints
For complaints about Omni Capital Retail Finance Limited, visit their complaints page.
Disclosure
Optics Warehouse is a credit broker, authorised and regulated by the FCA (registration 620615). Finance is provided by Omni Capital Retail Finance Ltd, FCA reference number 72027.
Example Finance Payments
| 12 Months 0% Interest Free | 24 Months @ 14.90% APR | 36 Months @ 14.90% APR | |
|---|---|---|---|
| Purchase Amount | £1000 | £1000 | £1000 |
| Deposit (10%) | £100 | £100 | £100 |
| Amount of Credit | £900 | £900 | £900 |
| Interest Rate | 0% | 14.90% | 14.90% |
| Interest Amount | £0.00 | £136.78 | £206.89 |
| Monthly Payment | £75.00 | £43.19 | £30.74 |
| Total Payable | £900 | £1136.78 | £1206.89 |
Omni Finance FAQs
How long can I take finance?
You can choose from the finance terms shown on the product and checkout page.
How do I pay by finance?
Select the finance option on the checkout page and click “Pay by Finance.”
Who can apply?
You must be 18+ and a UK resident.
What happens after approval?
If approved, you’ll be able to e-sign your agreement. Once signed, Optics Warehouse is notified automatically.
Finance is available on new products over £350. It is not available for pre-owned, ex-demo, factory refurbished, SOG items, OBR items, or Optics Draws tickets. Orders must be sent to the billing address used during the application.