Finance

What you need to know

Used responsibly, finance is a great way to spread the cost of your purchase. We’ve 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.

Omni Capital Retail Finance 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 can find out more about Omni here.

To spread the cost of your purchase, simply choose Omni at the checkout and select the finance option that suits you. The application form is quick and simple and includes help text throughout to assist you. You will receive a decision from your lender in just a few seconds.

1. Shop - Add products to your basket.

2. Omni - Select Omni at during checkout.

3. Apply - Complete the application.

4. Delivery - Wait for your order to arrive.

Please be aware that 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.

Lender Arrangements

J&S Accessories Limited is a credit broker, not a lender. We do not charge you for credit broking services, nor do we receive payment, for introducing customers to Omni Capital Retail Finance Limited.

0% finance with a term of 12 months or less is not regulated by the Financial Conduct Authority.

Check your Eligibility

To be considered for finance, you will need to meet all of the following criteria:

At least 18 years old
Gross annual income of £5,000+
UK resident (of 3 years or more)
UK bank account capable of accepting Direct Debits
You are not currently bankrupt, subject to an Individual Voluntary Arrangement ("IVA"), or have any Country Court Judgments ("CCJs")

Please remember that your application for finance isn’t guaranteed to be accepted, and that all applications are subject to status.

Available Finance options

We offer a range of interest-free finance options to help you spread the cost of your purchase over 6 or 10 months. The value of the loan needs to be over £350 and no more than £5,000 and you can choose a deposit of up to 50% of the value of the goods.

Understanding the numbers

Omni wants to make sure that you understand the costs, terms and key features of the finance options available to you. You will see this information as you shop and during the checkout process.

The finance calculator at checkout shows both the 6 and 10 monthly repayment options. This finance calculator is for illustrative purposes only and is not a quote, or formal offer of finance. The offer you receive if you apply will be dependent on your personal circumstances and the lender's policies.

It's important that you understand what this information means for you before you decide to apply for finance. The numbers and information you see when taking out finance can be overwhelming and so here is an example of what you might see at checkout, with some handy explanations to help you understand what it all means.

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 impact on your finances - e.g. retirement, moving home, changing jobs, or any health issues which could affect your income or expenditure.

Representative example

Cash price £500.00, Deposit £50.00. Total amount of credit £450.00 over 6 months with an annual interest rate of 0.0% (Fixed). Monthly repayments will be £75.00 with a total repayable of £500.00. 0.0% APR representative.

The representative example shows the finance information that we expect to apply to more than half of accepted applications for the specific amount and repayment term.

As mentioned earlier, the representative example is not a quote or formal offer of finance - we display this to help you understand how much a loan will cost, and so you can compare it with other products.

Whilst these numbers are there to help you understand what a loan will cost you, it's important that you understand any other potential costs in the terms and conditions of the finance option you select. For instance, you may be charged missed or late payment fees if you don't keep up with your payments.

Finance Decision

Will I be accepted for finance?

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. 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 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 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.

In a few cases, your application may be referred to an underwriter for manual assessment. During normal working hours, you will receive a response from the Underwriter within 20 minutes of the application being referred. 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 Omni Underwriting Team at underwriting@ocrf.co.uk.

What do I do if I have been 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 can also contact the Credit Reference Agencies if you think there is a mistake on your credit report:

Experian

Equifax

TransUnion

Your Loan Agreement

Before signing your credit agreement, you will be given some important documents that include key information about your loan. It is important that you read these documents and understand the information and key terms. If you have any questions about the information in your credit agreement before you sign it, Omni's customer support team can help - you can contact them on customerenquiries@ocrf.co.uk or by phone on 0333 240 8317.

Who should I contact if I have a question about my loan?

For any questions about your loan, such as your Direct Debit or updating your personal details, please contact Omni. Their contact details will be provided throughout your application and on any communications you receive about your finance application.

I'm having problems paying my deposit online

Please contact Omni customer support at customerenquiries@ocrf.co.uk or 0333 240 8317.

When will I receive a copy of my loan agreement?

ou will be presented with an unsigned copy of your credit agreement for you to sign once Omni has made their decision. Once you have signed your credit agreement, Omni will also sign it and a copy will be available for you to download. These will also be emailed securely to your given email address.

If you need a copy of your agreement at any point after this, you can request this from Omni.

The terms of your loan agreement will set out your right to withdraw. You may withdraw from your loan agreement within 14 days. However, if you do so, you will still be responsible to pay for your goods by another payment method.

Payments and Order

How do I make my monthly payments?

Omni will help you set up convenient, pre-authorised payments via your bank account or your credit/debit card.

Can I request delivery to an address other than my home address?

In order to safeguard against fraudulent applications, we are only able to deliver goods to your home address.

I want to amend my order.

If you have been approved for finance, the amount or terms cannot be amended. You will need to contact J&S Accessories Limited to amend the goods or services you ordered and you may need to complete a new application for finance. Please note we cannot guarantee a new credit application will be approved.

I haven't received my goods or service.

Please contact J&S Accessories Customer Service and we will help you.

I want to change my Direct Debit details.

Changing your payment date can only be done once the first payment has been taken. Please contact Omni to talk to them about updating your Direct Debit details.

Are there any fees or charges to pay?

There is no fee for processing your application.

Fees will be payable to Omni if you fail to maintain your repayments. Fees and charges may include late payment fees and administration/letter fees if you are issued an arrears or default notice. Full details of all fees and charges will be set out in the terms of your credit agreement.

Cancellations and Returns

I want to return my goods and cancel my finance agreement.

Please see our Returns Policy.

Where you do have the right to cancel, you must do this within 14 days of entering into the finance agreement.

To cancel your finance agreement, please and arrange to return your purchase or cancel the services. Once we have confirmed cancellation, we will advise Omni to cancel your finance agreement and refund any payments that have been made. Your finance agreement can only be cancelled by Omni if your purchase is cancelled with us.

What happens to my loan if I want to return my order?

If you are not satisfied with your purchase you can return it up to 14 days after delivery. In this case, we will notify Omni to reduce your loan amount accordingly. You will receive confirmation from Omni within 3-5 business days after we received your return in cases where a full refund is processed.

Your Personal or Financial Circumstances

It’s a fact of life that things can change for any of us. If something changes in your personal, or financial circumstances, Omni will do all they can to help make it as easy as possible to submit your application and manage your loan repayments.

If you’re struggling at any point with your application online, or you don’t understand anything, please contact Omni’s customer support team at customerenquiries@ocrf.co.uk or 0333 240 8317.

If you find yourself struggling due to a change in your circumstances, please contact Omni and ask for their help.

Use of Your Personal Data

In order 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 in their privacy policy.

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

Still have questions?

IIf you still have questions about your finance application or need some help completing it, check out Omni's FAQs here.

For any questions related to finance, please contact Omni. Their contact details will be provided throughout your application and on any communications you receive about your finance application.

Financial Disclosure

0% finance with a term of 12 months or less is not regulated by the Financial Conduct Authority.

Omni's registered office address is: Omni Capital Retail Finance Limited, 10 Norwich Street, London, EC4A 1BD.