Omni Capital Retail Finance allows you to enjoy convenient payments with its long-term no-interest plans, one of the best available.
It is one of the most popular ways to spread the cost of bigger home purchases, especially when you want to pay monthly for sofas, beds, dining sets or any high-value items.
This option allows you to take home the items you want today and repay over several months with no interest charges (often 6, 10, 12, 18 or even 24 and 36 months at 0%).
Omni Capital
Max. Amount
£15,000
Credit Check
Yes
Type
BNPL
Tip: You can spread the cost of your purchases for up to 48 months using Omni, with interest-free plans ranging from 12 to 36 months.
Omni Capital Retail Finance is one of the long-term buy now, pay later providers and has amazing non-interest-bearing plans in terms of length.
The platform is available to utilise on many top online shopping portals, including those in electronics, home items, and more.
With the platform, you can spread the cost of your purchase over 6 to 48 months, with plenty of interest-free options available, typically 6, 10, 12, 18, 24, and 36 months at 0% depending on the retailer and current promotion.
Longer terms come with interest-bearing credit, usually around 14.9% to 19.9% representative APR.
The minimum order value is normally £300 (sometimes as low as £250 with certain partners), and the maximum goes right up to £15,000.
You can choose to pay a deposit of 0% up to 50% to keep the monthly repayments comfortable.
Most partner stores let you check eligibility first with a soft search that leaves no mark on your credit file.
The final application triggers a hard inquiry, which will appear on your report, but once approved and as long as you keep up the repayments, Omni reports to the major credit bureaus, so it can help improve your score over time.
Popular Shops that Accept Omni Capital Retail Finance
Below is the list of popular companies and online retailers that accept Omni for payment plans:
Electronic Shops that Accept Omni Capital Finance
Herne Bay Domestics
It offers a wide range of domestic appliances, including washing machines, fridge freezers, dishwashers, and ovens, available online and in their Herne Bay showroom. A minimum cart value of £278 is required.
South West Optics
You can access a wide range of binoculars, spotting scopes, and monoculars for birdwatching and nature observation shopping on the portal. You need an order of at least £350 to use the Omni option.
Allegro Music
This merchant is into the sales of pianos, keyboards, and organs from brands like Yamaha and Kawai, available online and in Essex showrooms.
Optics Warehouse
Popular for optics products, including rifle scopes, binoculars, spotting scopes, and night vision gear from brands like Vortex and Hawke.
Techformusic
The online platform offers a wide range of music equipment, including DJ controllers, PA speakers, lighting, and production.
Haydock Music
This online store also offers a wide selection of musical instruments, including pianos, guitars, keyboards, brass, woodwind, and percussion.
Smart Home Sounds
The merchant specialises in home audio equipment, including Sonos speakers, home cinema systems, and turntables from top brands, available online and via their UK store. To finance your order, it must be up to £350.
Regent Sounds
It offers new and vintage guitars, amps, effects pedals, and accessories from well-known brands, available online and in their Denmark Street showroom in London.
Blackwood Outdoors
It specialises in night vision and thermal imaging equipment, including rifle scopes, binoculars, and spotting scopes.
Rockem Music
It is one of the stores on this list where you can access musical equipment, including drums, guitars, amps, cymbals, and percussion.
Park Cameras
The merchant offers photographic equipment, including digital cameras, DSLRs, lenses, and accessories from brands like Canon and Nikon, available online and in stores in Sussex and London. An order value of £300 is required.
Health and Fitness Shops that Accept Omni Capital Finance
Mirafit
The platform is into home-gym equipment, including racks, benches, weights, and functional training gear. The minimum required order value is £300, but it offers an alternative for lower purchases using PayPal Pay in 3.
West Wickham Vet
It provides compassionate, professional veterinary care for pets, offering consultations, vaccinations, diagnostics, surgery, and ongoing wellness support.
Spire Healthcare
This brand is a leading UK independent hospital group providing private medical care, including diagnostics, surgery, cancer treatment, and specialist consultations. Their medical financing is powered by Omni Capital.
X-Pole
This merchant is known for its pole and aerial fitness equipment, offering items that include dance poles, aerial hoops, and rigs.
KittentoCat
KittentoCat specialises exclusively in feline care, offering preventative treatments, routine and emergency surgery, advanced diagnostic scanning, hospitalisation, and Animal Health Certificates, all tailored to keep cats healthy, comfortable, and well supported.
Powerkiteshop
The online platform provides financing for sofas designed for living rooms, dining rooms, and bedrooms, requiring a minimum order of £350 at checkout. It also offers various accessories to match your purchases.
MedSpa
This provider offers spa treatments, offering services like skincare, injectables, laser therapy, rejuvenation procedures, and wellness treatments to enhance appearance, improve skin health, and promote overall confidence and relaxation
Silvermere Golf Store
A golf retailer offering equipment that includes clubs, custom fitting, clothing, shoes, and accessories.
Discount Golf Store
Another platform that deals in the sales of golf equipment, apparel, and other accessories. It requires an order value of £250 for Omni Capital Finance.
Kiteshop
Another platform you can access a range of kitesurfing and power kite equipment, including beginner kits, foil boards, and accessories.
Tony Valentine Golf
Tony Valentine Golf offers a wide range of golf clubs, clothing, and electric trolleys from top brands.
Auto Shops that Accept Omni Capital Finance
Motolegends
It offers a wide range of premium motorcycle clothing, helmets, and accessories from brands like Rukka, Klim, and Halvarssons, available online with financing from £399.
Milltekshop
The online platform deals in the distribution of performance exhaust systems, including cat-back kits, downpipes, and silencers from Milltek Sport.
Scorpion Exhaust Shop
This retailer is also into the retail of performance exhaust systems, with a catalogue that includes cat-back kits, silencers, and downpipes from Scorpion, handcrafted in the UK for cars, bikes, and ATVs.
034Motorsport
It offers a wide range of performance parts for Audi, Volkswagen, and BMW vehicles, including engine mounts, ignition coils, and exhaust upgrades.
J&S Accessories
This retailer deals in motorcycle clothing and helmets from brands like Alpinestars, Shoei, and RST. The minimum order value to use Omni Capital Finance is £350.
Other Companies that Accept Omni Capital Finance
KC Sofas
This retailer offers handmade British sofas in leather and fabric, including recliners and corner units, with 95% made to order. Prices start from affordable ranges; enjoy 0% finance via Omni Capital and express delivery options.
Sheds UK
It offers a wide range of garden sheds, summerhouses, log cabins, and outdoor storage from brands like Tiger and Handy Hut.
Rattan Direct
Rattan Direct offers stylish rattan outdoor sofas, dining sets, and loungers, plus indoor options.
Westminster Outdoor Living
This retailer is into luxury garden furniture, including rattan sofas, dining sets, and loungers, available online and in south-east UK showrooms. The minimum order value for Omin Capital is £995.
Hatton Jewellers
The retailer offers luxury gold chains, diamond rings, bracelets, and engagement rings in solid gold and precious stones.
Ian Gallacher
Another platform where you can finance bespoke diamond engagement rings, wedding bands, eternity rings, and fine jewellery.
Training Link
An online education service provider offering AAT accounting and ICB bookkeeping courses with distance learning support.
Learning People
It offers a wide range of online professional courses in cybersecurity, project management, coding, data, and IT certifications from partners like CompTIA and PMI.
Harriet Ellis
A leading UK dental nursing training provider, offering NEBDN Level 3 Diploma courses, apprenticeships, and CPD programs in radiography and oral health education.
Sewing Machines Direct
This retailer offers a wide range of sewing machines, overlockers, embroidery machines, and accessories from brands like Brother, Janome, and Jaguar.
Owen Gibb & Sons
The company offers plumbing, heating, boiler installations, and all-trades services like bathroom renovations in Edinburgh and the surrounding areas.
HUG Boilers
Another platform where you can get your boiler on a payment plan. You can browse a range of new gas boilers with installation by Gas Safe engineers.
GUR Sewing Machines
One of the retailers on this list that allows you to purchase a range of sewing machines, overlockers, embroidery models, and accessories and pay later using Omni.
With many online shops accepting Omni Capital Finance as their checkout option, you should be able to finance what you need, provided you meet its minimum requirements.
Just as with any other type of credit, ensure to make on-time payments as it reports to the major credit bureaus.
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