Omni Capital Finance
Every plan, interest free.
0% APR · 3, 6, 10 and 11 monthsFinance 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 a decision instantly.
Omni Capital Finance offer a range of different plans to suit your needs. Finance is subject to age and status.
How it works
Five steps from basket to doorstep
Shop
Look for the Finance Calculator on items over £350. Select your preferred finance term and deposit, then add the item to your bag.
Apply
At checkout, choose your delivery option and make sure Pay by Finance is selected. This redirects you to Omni to complete your application.
Decision
You will normally receive a decision within a few moments. Applications are not guaranteed to be accepted and are subject to status.
Deposit
You will pay a 10% minimum deposit once your application is accepted.
Enjoy
Once your agreement is signed you are returned to the Order Confirmation page, and we ship to the billing address on your Omni application.
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.
Your options
More about our finance options
Our monthly payment plans are designed to help make your purchase more affordable. Tactical Scope offers four terms with Omni, and every one of them is interest free:
Payment terms are between 3 and 11 months, all at 0% APR. A minimum deposit of 10% applies to all finance agreements. There are no deferred payment periods on any of our finance options – your repayments begin shortly after you receive your goods.
It’s important to remember that you should only enter into a finance agreement if you are sure you can afford the repayments for the full term of the loan. Whichever finance option you choose to apply for, you need to be sure that you can afford to pay the deposit, and keep up with your monthly repayments. You should think about any changes to your situation that might occur during the term of the loan, which could affect your income or expenditure, for example – retirement, moving home, changing jobs, or any health issues.
Before you apply, please read this
Finance options are a form of credit. If you fail to maintain your payments, your lender could ask a debt collector to contact you or commence legal action to recover the money you owe. A poor repayment record will affect your credit file.
Failing to keep up with your repayments could result in a bad credit score, making it difficult for you to borrow money or get credit in future. This could affect your ability to obtain other financed items, such as mobile phone contracts. There may also be charges that apply for the recovery of missed or late payments, or for collection of the outstanding loan amount in the event of default.
Finance payment plans provided by Omni Capital Retail Finance Limited are not secured against an asset, such as your home.
Eligibility
Check you qualify
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
- Have an email address so your documentation can be emailed to you
- 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.
Representative examples
What it costs
You can check your repayment options and affordability using the finance calculator shown on any eligible product page over £350. The examples below are based on a £1,000 purchase with the minimum 10% deposit.
Interest free finance
0% APR — all terms| 3 Months | 6 Months | 10 Months | 11 Months | |
|---|---|---|---|---|
| Cash Price | £1,000.00 | £1,000.00 | £1,000.00 | £1,000.00 |
| Deposit Required (10%) | £100.00 | £100.00 | £100.00 | £100.00 |
| Loan Amount (Amount of Credit) | £900.00 | £900.00 | £900.00 | £900.00 |
| Finance Term | 3 months | 6 months | 10 months | 11 months |
| Deferral Period | Not applicable | Not applicable | Not applicable | Not applicable |
| Interest Rate (APR representative) | 0% APR | 0% APR | 0% APR | 0% APR |
| Monthly Payment Amount | £300.00 | £150.00 | £90.00 | £81.82 |
| Number of Repayments | 3 | 6 | 10 | 11 |
| Cost of Credit | £0.00 | £0.00 | £0.00 | £0.00 |
| Total Amount Payable | £1,000.00 | £1,000.00 | £1,000.00 | £1,000.00 |
| Early Repayment Fee | See your Credit Agreement | See your Credit Agreement | See your Credit Agreement | See your Credit Agreement |
Monthly payments are rounded to the nearest penny; your Credit Agreement confirms the exact repayment schedule, including any adjustment to the final payment. On a small screen, swipe the table sideways to see every column.
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).
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.
Applying
What happens to your application
Your 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.
If your application is referred
Your application may be referred to a lender for manual assessment, and you may receive a request for additional information. If referred to an Underwriter you will receive a response within 20 minutes during normal working hours – an accept, a decline, or a request for more information. If more information is needed you will receive an email explaining what is required. Questions can go to [email protected].
Will a credit search be registered against me?
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.
If your application is accepted, a ‘hard’ credit check may be made on your credit file. Only you can see that a ‘soft’ search has been made, 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.
If 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.
If your application is 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 your loan
Repayments, early settlement and cancellation
When 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.
Changing your payment date
You can request to change your monthly payment date after the first payment has been made by contacting Omni customer services on 0333 240 8317. You will also be registered for their Customer Self Service portal, where you can change the payment date yourself.
Repaying early
You have the right to repay all or part of your loan early at any time. 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.
Cancelling your agreement
You have 14 days to cancel your credit agreement. To cancel your goods or services you will need to speak to us directly at Tactical Scope. Cancelling your finance agreement with Omni without cancelling the goods or services will mean payment for the goods or services will still be required.
Contact Omni
Three ways to reach your lender
Struggling with repayments?
If you want to discuss your loan, or you’re having trouble with your repayments, please speak to Omni as early as you can. Information about how Omni can support you if you miss a repayment is on their website: omnicapitalretailfinance.co.uk/money-worries
Making a complaint
If you are unhappy with the level of service Omni have provided, or anything Omni have done, you can let them know by telephone on 0333 240 8317, by email at [email protected], or by post to Complaints, Omni Capital Retail Finance Ltd, Customer Services, PO Box 6990, Basingstoke, Hampshire, RG24 4HX.
Full details of their procedure are at omnicapitalretailfinance.co.uk/contact/complaints.
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 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 they use and protect your personal data at omnicapitalretailfinance.co.uk/privacy-policy. They will also provide you with a copy of their Privacy Policy with your loan documents.
Omni Capital Retail Finance Limited’s registered office address is 10 Norwich Street, London, EC4A 1BD.
The small print from us
Buying on finance at Tactical Scope
- Omni Finance is offered on all brand new products, minimum spend £350.
- Omni Finance is currently not available on pre-owned, TSP, Ex-Demo, Factory Refurbished and OBR items.
- We cannot exchange or credit any order that has been purchased through Omni Financing. Any returned orders purchased via this method must be refunded, and the customer will need to go through the Omni Finance process again on a future order.
- We are unable to offer TSP or exchange options on orders purchased through Omni Financing.
- We can only send orders placed through Omni Financing to the address used during the finance application process. We are unable to send to an alternative address.
Watch
Paying by finance, step by step
Disclosure
Tactical Scope Limited is registered in England and Wales with company number 14458281. Registered address: Riviera House, Nicholson Road, Torquay, Devon, TQ2 7TD. Tactical Scope Limited acts as a credit broker and offers credit products from different lenders.
Finance is provided by Omni Capital Retail Finance Ltd which is a credit provider/lender. Tactical Scope 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. Finance 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.
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.