Omni Capital Retail Finance Reviews 

654
TrustScore 4 out of 5

4.2

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Review summary

Created with AI, based on recent reviews

Considering 74 reviews, reviewers had a great experience with this company. Customers frequently praise the staff and representatives for being exceptionally professional, helpful, and friendly throughout the entire service journey. Consumers also appreciate the clear communication, straightforward procedures, and smooth online application experience from start to finish. Some people were dissatisfied with unexpected difficulties regarding payment processing, extra charges, and technical errors when trying to settle accounts. A few reviewers also mentioned experiencing frustrating issues with loan applications being unexpectedly declined, alongside unhelpful customer service responses when seeking assistance. Others noted feeling stressed when facing rigid criteria or communication barriers during critical moments.

What people talk about most

Service

Customers had positive experiences with service, reporting efficient, helpful, and professional support... See more

Staff

Reviewers mention positive feedback about staff, consistently describing team members as helpful,... See more

Payment

People report ambiguous experiences with payment, reflecting a wide range of differing consumer interactions.... See more

User experience

Customers consistently note positive experiences with user_experience, praising the quick, simple, and... See more

Customer service

Users describe positive interactions with customer service, noting that representatives are helpful, kind,... See more

Reviews shaping this summary

Rated 5 out of 5 stars

I took an interest free loan with Omni Capital Finance for goods from Sheds.co.uk. Paid my deposit and made interest free payments over 4mths since. They adjusted my initial payment to a time to s... See more

Rated 5 out of 5 stars

Very good at sending relevant information in good time. It sounds very easy to i.e. pay our monthly payment, pay more if we wanted to or settle the account if extra money became available to us. This... See more

Company replied

Rated 5 out of 5 stars

I have only positive feedback to give about this company. I took out an interest-free loan as a strategic move to boost my credit score, and it paid off. When unexpected health issues forced me to be... See more

Rated 5 out of 5 stars

From start to finish, the experience was exceptional. The team were professional, friendly, and completely trustworthy throughout. Communication was excellent, the work was completed within the same d... See more

Company replied


4.2

Great

TrustScore 4 out of 5

654 reviews

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4.2

All reviews

(654)

75 reviews in the last 12 months

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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

The window fitters were polite and did…

The window fitters were polite and did an amazing job. Windows fitting cleanly and properly. No damage done to my house. Left my property clean and tidy. Windows are great very happy with the job. Would definitely recommend this company

June 29, 2026
Unprompted review
Omni Capital Retail Finance logo

Reply from Omni Capital Retail Finance

We're pleased that your window fitters did a good job for you and that we were able to help!

Rated 1 out of 5 stars

Can't get on there site they got my…

Can't get on there site they got my email name wrong phoned them before but they wont put the correct email name so I can't check my payments

June 30, 2025
Unprompted review
Omni Capital Retail Finance logo

Reply from Omni Capital Retail Finance

Thank you for sharing your experience with us. We’re sorry to hear you’re having difficulty logging in to the Customer Self Service Portal.

We’d like to resolve this for you as quickly as possible, so please contact us at customerenquiries@ocrf.co.uk and a member of our team will be happy to assist.

Rated 1 out of 5 stars

untrustworthy

Applied for a tiny interest free loan via a training provider to complete a training course. Turned down at the credit report stage despite having an excellent credit score. My credit report showed no hard or soft searches, so looks like they didn't even check!!
Perhaps knew they wouldn't make any money out of me. Very unprofessional and wouldn't recommend

June 3, 2026
Unprompted review
Omni Capital Retail Finance logo

Reply from Omni Capital Retail Finance

Thank you for your review. We understand it can be disappointing when an application is declined.

The email we sent explains how you can request more information about the decision. If you would like to appeal the decision made, please contact us at customerenquiries@ocrf.co.uk and we will guide you through the process.

Rated 1 out of 5 stars

Lucky to get a rating of one

Lucky to get a rating of one. I had an Experian score of 1250 out of 1250 and an Equifax score of 1000 out of 1000. Worked in financial services for 44 years with many years lending experience and was declined??? They were only interested if I had savings to pay for the service rather than actually underwriting the application. Don’t waste your time, look elsewhere.

June 1, 2026
Unprompted review
Omni Capital Retail Finance logo

Reply from Omni Capital Retail Finance

Thank you for taking the time to leave a review and we’re sorry you’re disappointed with the decision.

We will review your application and reach out to discuss further.

Rated 1 out of 5 stars

My application rejected twice

two unsuccessful application while my credit score is on top tier and salary is over several times more than the product I need, apparently I am too risky to a furniture on 0% A.P.R. Absolute non sense and the terrible part is taking a huge negative impact on my score as well. I will sue the company soon for failing data protection, unfairness and lack of clarity and data protection.

June 1, 2026
Unprompted review
Omni Capital Retail Finance logo

Reply from Omni Capital Retail Finance

Thank you for your review. We understand it’s frustrating if an application is declined.

Your decline email explains how to request more details or ask for the decision to be reviewed, and our team is always happy to help if you’d like to discuss it further.

Rated 1 out of 5 stars

Website is literally unusable

Website is literally unusable, unable to make a payment online.

May 29, 2026
Unprompted review
Omni Capital Retail Finance logo

Reply from Omni Capital Retail Finance

Thank you for taking the time to leave a review. We’re sorry to hear you’re having difficulties with our online service.

We’d like to help resolve this for you, so please contact us at customerenquiries@ocrf.co.uk and a member of our team will be happy to assist.

Rated 5 out of 5 stars

The perfect option for a big spend on kit...

The perfect option for a large purchase as a musician, super simple process and had a response immediately. I now have my new kit which I am extremely happy with, and would not have been able to do so withiut this financing option.

May 14, 2026
Unprompted review
Omni Capital Retail Finance logo

Reply from Omni Capital Retail Finance

Thank you for the feedback, we're pleased our financing has helped you get your new kit!

Rated 5 out of 5 stars

Cant fault this company .very…

Cant fault this company .very afficiant.very helpful and great service.couldnt be more happier thank you

May 18, 2026
Unprompted review
Omni Capital Retail Finance logo

Reply from Omni Capital Retail Finance

Thanks for leaving such a good review!

Rated 1 out of 5 stars

Had a alot of trouble with them

Had a alot of trouble with them , no 1 is i had financial difficulties so i asked them for a favour of reduced payment on which they for agree for 2 months from October 2025 to December 2025 , in return they have out missed payments on my credit files even till by March now upto 7 months now in a row they putting missed payments on my file due to which i got declined for mortgage 😒.

May 1, 2026
Unprompted review
Omni Capital Retail Finance logo

Reply from Omni Capital Retail Finance

Thank you for taking the time to leave a review. We’re sorry to hear that you’re disappointed.

We’re committed to supporting customers who are experiencing financial difficulties and ensuring they receive the right help for their situation.

As part of our obligations, we must report payment history to credit reference agencies, and we make customers aware of this when entering into these arrangements.

If you need any further assistance, please contact us at customerenquiries@ocrf.co.uk.

Rated 5 out of 5 stars

Loan agreement

Whenever, I contacted the team, they were very helpful in answering my questions, in a professional and friendly matter. They took time to explain procedures and next steps

May 6, 2026
Unprompted review
Omni Capital Retail Finance logo

Reply from Omni Capital Retail Finance

We're pleased to be able to help, thanks for leaving your review.

Rated 5 out of 5 stars

Excellent Service.

From start to finish, the experience was exceptional. The team were professional, friendly, and completely trustworthy throughout. Communication was excellent, the work was completed within the same day as promised, and the scaffolding was removed within the agreed timescale. I’m extremely pleased with the new windows, and there were no issues at any stage of the process. I would have no hesitation in using this company again for future work and would highly recommend them.

May 1, 2026
Unprompted review
Omni Capital Retail Finance logo

Reply from Omni Capital Retail Finance

Thank you for leaving your review, we're delighted to have helped you purchase and instal your new windows and glad that the process went so smoothly.

Rated 4 out of 5 stars

Great work and windows but they did…

Great work and windows but they did turn up to do the windows and then could not do them so had to rearrange a date and called their office number multiple times and no answer. However the people were polite and installed lovely windows

April 30, 2026
Unprompted review
Omni Capital Retail Finance logo

Reply from Omni Capital Retail Finance

We're delighted to have helped you make this purchase and that you are happy with the end result.

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