Omni Capital Retail Finance Reviews 

From the very start of the process was easy and understandable. Didn't take long at all.

Omni Capital Retail Finance appears to be engaging in fraudulent practices. They fail to provide the basic documentation that a lender should offer. They continue to charge interest secretly without any detailed explanations.

We entered into a loan agreement via a broker. This broker did not inform us that the direct debit payments would not cover the outstanding balance on our buy now, pay later plan. As a result, we are now facing high interest rates.

We have attempted to create an account multiple times. Each attempt results in a declined application. The message we receive states: "We regret to inform you that after careful consideration, your application has been unsuccessful because it does not meet our current lending criteria." Following this, there has been no further communication from them.

Now, they have sent us an annual statement. This statement shows how they have deducted money from our account for interest. They did this without any communication via post, email, phone call, or text message.

What should one call this company?

We received a great service from the store staff especially James, the Store Manager. He was patient and helpful in aiding us to find the right bed for my husband who has back and hip problems.

The online process was simple, although i did make it harder for myself by using my Mobile Phone. As soon as i switched to my Laptop, it was like a "light bulb" going of in my head, so much easier, could see more and even understand more. All in all, easy, relatively quick and definitely painless.

I had no problem using this service, easy and straight forward.

There was a problem completing my on line Omni form on 7th January 2025
All the staff at Ommi were very helpful, throughout the day however the problem kept recurring.
The final member of staff Tyler Cherry was determined to solve, after reviewing the problem with myself and another member of staff. We went through the form again, page by page completing by typing answers in the box rather than using the word which appeared to click into the box.Finally the form opened up at the second to last page where I had been early in the day..
Tyler Cherry a very personable efficient company employee , who staid on line to enable myself to insert all the relevant information your company required , the form was completed quickly and successfully
Lynn Benson

Very easy application. No trouble at all. Prompt and swift. Would recommend to family and friends.

AVOID LIKE THE PLAGUE
I signed up to a 6 month payment plan to pay for laser treatment with Skn clinics. I signed up for 8 sessions which I did not receive as the company went bust before I received my treatments. I took legal advice and was advised that Omni were in breach of contract as the services were not supplied. I raised a complaint with them which took over 6 weeks to resolve. During that time I didn’t make a payment. Omni capital did not have any compassion and harassed me by email, phone and text multiple times a day for payment despite the unresolved complaint. There is no communication from a human, just robotic chasers which cause stress and worry. I received a response to my complaint basically saying it’s an unregulated loan and despite law being in place to protect consumers in this situation, they don’t uphold it so I have to pay the money. In the end I felt so exhausted by it all that I called them to sort out the payments and entered into a new contract to pay the balance. Despite this, they reported to credit agencies that I didn’t pay any of the payments which is not correct. This has severely affected my credit rating. I’ve complained about this to them and they’ve said that because of the missed payments during the complaint, and despite the fact I entered into a new contract, I was always in arrears and therefore they have to report that I’m not making payments! I was not told this at the time of entering into a new plan and as a result for the last 5 months, they’ve been noting my file as missed payments despite the fact I’ve been paying them.
It’s an absolute scam. There’s no customer service, no one cares, they just screw people over and mess up their credit rating. I never use credit and I never will again after this.

Omg I don’t have credit so I was so surprised to get this I’m the happiest girl ever love this and I can pay it off early so good thanks for all you’re help sorry didn’t get reference number it’s Caroline

The lady on the phone was so helpful and patient helping me to approve the documents

Contacted me ASAP and sorted my issue

Simple process, loan agreed quickly

Pure incompetence. Telephone agents forgot to set up automated payments TWICE which led to my account falling into arrears. This has also had a negative impact on my credit score.

Today is my final payment and good riddance.

Very easy transaction. All the forms to complete came via email and I didn't have any difficulty with filling them in. Today is just the first day of dealing with this company but so far, so good.

After getting help i successfully managed to fill in the forms All good i would reccomend this firm to anyone

Third time lucky? Thank you Trustpilot too for making me start again!!
Although successful, rventually, the process to get the form completed, left me gasping! Firstly to register on the site - a password is given which you need to copy into their box - almost impossible unless you can paste and copy - which I can't do! So, I failed, and then hit the "forgotten password" link. i created my own password,which was approved and happily went back to register. Only it didn't recognise the password just created - and I had to start over. Eventually, I register and then you come to the form itself - which in turn is a nightmare. One has to expand each section by clicking on the section heading i- which didn't often respond! What a faff! And all that after the signing in bit where they want to know whether you are a robot!, How many times can you check the boxes for motorcycles, cars, buses, or sidewalks, without going completely scranny?

Used This company twice, and both times, the process has been straight forward & professional. The range of finance options were better than I’d been offered elsewhere.
Would definitely recommend! :)