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THE UK'S NO. 1 GARDEN MACHINERY WEBSITE
Are you thinking of spreading the cost of your purchase?
Finance 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 confirmation of whether your application has been successful, or referred for further consideration, instantly.
More about our finance options
Our monthly payment plans are designed to help make your purchase more affordable. We offer payment terms between 12 and 24 months with a fixed APR of 19.9%.
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.
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-bearing finance options to help you spread the cost of your purchase over 12 to 24 months. The value of the loan needs to be over £360 and no more than £15,000 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 at checkout.
Use our finance calculator below or on any relavent product page to see how different loan values, terms and interest rates affect the total amount you need to pay and the monthly repayments. The 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.
Representative example - Cash price £499.00, 30% Deposit £149.70. Total amount of credit £449.00 over 24 months with an annual interest rate of 19.9% (Fixed). Monthly repayments will be £18.20 with a total repayable of £586.50. 19.9% APR representative.
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.
As we 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.
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).
Paying with finance
The process for making your purchase using finance couldn’t be easier. Simply Place the item (or items) in your basket, Choose your payment plan, Complete the application and then Wait for your order to arrive.
FAQ's
Applying for a loan: Am I eligible to apply for finance?
You are may be eligible to apply for finance if you:
- Are at least 18 years old.
- Have a gross annual income each year of more than £5,000.
- Are a permanent UK resident and have lived in the UK for at least 3 years.
- Have a UK bank account capable of accepting Direct Debits.
- Are not currently bankrupt, subject to an Individual Voluntary Agreement (IVA), or have any country Court Judgements (CCJs).
- Provide an email address so your documentation can be emailed to you.
Will a credit search be registered against me if I apply?
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 an application for credit will only result in a 'soft' search on your credit file until the point your application for finance is complete, at which point a 'hard' credit check will be recorded 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.
What happens after I have submitted my application?
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. Your application may be referred to a lender for manual assessment and you may receive a request for additional information to support your application.
What happens if my application is accepted?
Once 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.
What happens if my application is referred to an Underwriter?
You will receive a response from the Underwriter within 20 minutes of the application being referred during normal working hours. 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 Underwriting Team at [email protected].
What happens if my application is 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 will receive an email which will provide further details of the Credit Reference Agencies and contact information for any queries you may have.
Managing my loan: When do my monthly 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. You can request to change your monthly payment date after the first payment has been made by contacting Omni and speaking to their customer services team on 0333 240 8317. You will also be registered for their Customer Self Service portal, where you will be able to change the payment date yourself.
How can I contact the lender to discuss my loan?
There are three ways to contact Omni:
- Through the Customer Self Service Portal.
- By email at [email protected]
- By telephone on 0333 240 8317.
Are there any fees for repaying my loan early?
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. Can I cancel my finance agreement? You have 14 days to cancel your credit agreement, please note that to cancel your goods and services you will need to speak to us directly. Cancelling your finance agreement with Omni without cancelling the goods and services will mean payment for the goods and services will still be required.
Can I cancel my finance agreement?
You have 14 days to cancel your credit agreement, please note that to cancel your goods and services you will need to speak to us directly. Cancelling your finance agreement with Omni without cancelling the goods and services will mean payment for the goods and services will still be required.
If I need to make a complaint, who do I contact?
If you are unhappy with the level of service Omni have provided or anything Omni have done, you can let them know in the following ways:
- By telephone on 0333 240 8317.
- Email: [email protected].
- By Post: Complaints, Omni Capital Retail Finance Ltd, Customer Services, PO Box 6990, Basingstoke, Hampshire, RG24 4HX.
Financial Difficulties: Who do I speak to if I want to discuss my loan, or I'm having trouble with my repayments?
Information about how Omni can support you if you miss a repayment can be found on their website: https://omnicapitalretailfinance.co.uk/money-worries/
Use of 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 Omni Capital Retail Finance Limited uses and protect your personal data at https://www.omnicapitalretailfinance.co.uk/ privacy-policy/. Omni Capital Retail Finance Limited will provide you with a copy of their Privacy Policy with your loan documents.
Legal Information (FCA Disclaimer)
Calgary Just Companies Limited, trading as Just Lawnmowers is a credit broker, not a lender and is authorised and regulated by the Financial Conduct Authority (register number 831259). We do not charge you for credit broking services. Your application will be subject to a credit check using a recognised credit reference agency as part of our assessment process. Credit is subject to status, and 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.
Finance is provided by Omni Capital Retail Finance Ltd which is a credit provider/ lender. Calgary Just Companies 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. 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.