Pay with finance

Please ensure you meet the criteria below. If do not meet the criteria then unfortunately we will be unable to consider/submit your application:

• Are at least 18 years old.
• Have a good credit history with no late payments, debt relief orders, CCJs, IVAs or bankruptcies.
• Are a permanent UK resident and have lived in the UK for at least 3 years.
• Be able to pay a 15% deposit after your finance is accepted. 
• Are able to afford the monthly payments. 

There is a 14-day cooling off period where you can withdraw from the credit agreement after signing your documents. If you wish to do this, you need to notify Omni Capital Retail Finance.

A finance agreement does not affect our standard refund and returns policy. Just contact us and we can cancel your application and Omni Capital Retail Finance will refund your deposit. They will let you know of any outstanding balance if applicable.

Finnmark Limited is registered in England and Wales No 10059268.  We are credit broker and only offer credit products from Omni Capital Retail Finance. Finnmark Limited is authorised and regulated by the Financial Conduct Authority FRN 921342. Credit is subject to age and status.

Need help?

When putting a finance application there's nothing more frustrating than it being declined.

Often an applicant is declined not because of their credit history or anything they've done but because of a few simple errors.

All details entered during the application process must be personal to the applicant. e.g., personal email address and mobile number. Do not use a work email or contact number.

To ensure your application has no user error:

• Double-check the applicant's details being entered match their government issued ID i.e., Full name (no abbreviations), House/Flat number, and postcode.
• Ensure gross annual income is entered for the sole applicant, not weekly/monthly or household income.
• Ensure you are entering sufficient address history, do not round up the time at an address as this will result in a mismatch against what a credit bureau is reporting and may result in a decline.
• In some circumstance’s individuals are registered against their main residence address even though they move around, such as in the Army, or for students living at a university residence, etc. In these instances, do not forget to add your main residence address to the application so we can pull an accurate credit profile on to base our decision on. Enter the address where are you registered to vote, where you have most of your credit registered. This should help us pull the correct credit profile and make an informed decision on your application.

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