Omni Capital Retail Finance Reviews 

655
TrustScore 4 out of 5

4.2

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Review summary

Created with AI, based on recent reviews

Considering 75 reviews, reviewers had a great experience with this company. People frequently praise the helpful staff and professional team members who guide them patiently through every single step of the procedure. Consumers consistently find the online platform and financial options very straightforward, clean, and remarkably easy to navigate. Clients appreciate the clear communication and overall convenience provided during their transactions. However, some customers also noted frustrating difficulties with payment processing errors and unexpected loan application rejections despite having good credit scores. A few people experienced poor communication barriers and unhelpful customer service responses when trying to resolve urgent account or billing questions.

What people talk about most

Service

Users describe positive interactions with service, highlighting efficient communication and helpfulness.... See more

Staff

Consumers find staff to be positive, helpful, and professional across various interactions. Reviewers... See more

Payment

Customers consistently note ambiguous experiences with payment, reflecting a wide range of outcomes. While... See more

User experience

Reviewers highlight positive aspects of user experience, consistently praising the quick, simple, and... See more

Customer service

Clients share positive opinions on customer service, highlighting helpful and professional staff members who... 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

655 reviews

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4.2

All reviews

(655)

76 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

I am very satisfied

I am very satisfied. The online process was quick and easy.👍Thanks

April 15, 2026
Unprompted review
Omni Capital Retail Finance logo

Reply from Omni Capital Retail Finance

We're pleased you found the process simple, thanks for leaving your review.

Rated 5 out of 5 stars

New purchase

Everything straight forward form start to finish of the process all explained throughout at each step completion very swiftly and stress free excellent

April 16, 2026
Unprompted review
Omni Capital Retail Finance logo

Reply from Omni Capital Retail Finance

Thank you for leaving your review.

Rated 4 out of 5 stars

It was good

It was good, thank you

April 22, 2026
Unprompted review
Omni Capital Retail Finance logo

Reply from Omni Capital Retail Finance

We're pleased that everything has gone well for you, thank you.

Rated 1 out of 5 stars

Months after utilizing the company's…

Months after utilizing the company's financing services for window and boiler replacements, I was informed that my three outstanding debts had been transferred to Novu Finance, with one loan subsequently assigned to Omni Capital.

Upon inquiring about early settlement figures, I noted a significant reduction in the outstanding balance for the two loans managed by Novu. However, no such reduction was offered by Omni Capital, as they continue to levy interest for the full term of the loan, even if settled early. Furthermore, Omni Capital is uniquely imposing an early repayment fee. Had I been aware of these specific terms and conditions associated with Omni Capital, I would have opted against utilizing Stay Bright Windows for the financing arrangements.

April 21, 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 that you’re disappointed with the early settlement figure you have been quoted.

If an early repayment quote from a loan provider includes a refund of some the interest that would otherwise have been payable on the loan, this is usually because all interest due over the full loan term was added to the loan balance when it was first started. With an Omni loan, instead of adding all interest to the loan balance at the beginning, we calculate and add interest on the outstanding balance each month – meaning that there is no interest to refund if the loan is repaid early.

Our repayment quotes therefore include the remaining capital that needs to be repaid, plus any charges that were detailed in your credit agreement when the loan was first taken out.

If you have any further questions about how your settlement figure is calculated, please contact our team at customerenquiries@ocrf.co.uk

Rated 5 out of 5 stars

Had my new windows fitted recently and…

Had my new windows fitted recently and just wanted to say how impressed I am with the whole experience. Jack and Arron did an excellent job from start to finish they were professional, friendly, and clearly took pride in their work.

They worked efficiently, kept everything tidy, and made sure the finish was spot on. It’s not always easy having work done in your home, but they made the whole process smooth and stress-free.

Really pleased with the result and wouldn’t hesitate to recommend them. Thanks again, Jack A and Arron T!

April 15, 2026
Unprompted review
Omni Capital Retail Finance logo

Reply from Omni Capital Retail Finance

Thank you for leaving such a positive review about your fitters - we're pleased to have been able to support your purchase.

Rated 5 out of 5 stars

Professional company to deal with

Professional company to deal with, no hassle, great service, best of all interest free, so it can't be any better

March 27, 2026
Unprompted review
Omni Capital Retail Finance logo

Reply from Omni Capital Retail Finance

Thank you for the positive review!

Rated 1 out of 5 stars

I cleared an agreement for £8000 plus…

I cleared an agreement for £8000 plus £45 admin charge three days before the first payment was due. They still took the first installment with interest. I know I should have cancelled the direct debit but it's rare that I take out finance and I forgot. I also had no reason to suspect that they would go ahead and take the money leaving me overdrawn.
Four days on and there is still no refund. Let's put it this way:
A finance company takes money from someone after they have cleared their debt in full. What's that called? In my world, it is called theft.

March 25, 2026
Unprompted review
Omni Capital Retail Finance logo

Reply from Omni Capital Retail Finance

Thank you for your feedback. We are sorry to hear that your Direct Debit was taken when you had paid your account off in full. We can see that you spoke with one of our agents on 26th March, who explained that your direct debit was already in the process of being collected at that time and unfortunately could not be cancelled. However, you were reassured that a full refund would be processed as soon as the payment has cleared.

We’re sorry to hear that this has resulted in you becoming overdrawn. If you have incurred any bank charges as a result, we would be happy to review these for reimbursement. Please send a screenshot showing the fees to customerenquiries@ocrf.co.uk, and our team will assist you further.

If you have any additional questions, please don’t hesitate to get in touch.

Rated 5 out of 5 stars

Very easy

Very easy, quick and efficient process, good communication via email.

February 9, 2026
Unprompted review
Omni Capital Retail Finance logo

Reply from Omni Capital Retail Finance

Thank you for your feedback!

Rated 5 out of 5 stars

Dreams bed purchase

The finance company has been very helpful regarding our recent purchase. Information to enable us to track payments etc provided.

January 29, 2026
Unprompted review
Omni Capital Retail Finance logo

Reply from Omni Capital Retail Finance

Thanks for leaving your review - we appreciate your positive feedback.

Rated 5 out of 5 stars

Excellent service

Omni provide an excellent service. I have used them twice now and both times ive been very happy. The application process is swift and easy and the service is excellent.

February 23, 2026
Unprompted review
Omni Capital Retail Finance logo

Reply from Omni Capital Retail Finance

Thanks for using our services again! We're pleased we've been able to help you, and appreciate the positive review.

Rated 5 out of 5 stars

Swift service

Once they received the correct information, everything was dealt with instantly.

March 4, 2026
Unprompted review
Omni Capital Retail Finance logo

Reply from Omni Capital Retail Finance

We're happy to hear that everything was dealt with quickly for you. Thank you for your positive feedback and time.

Rated 1 out of 5 stars

Age Discrimination Prevented Surgery

These cowboys prevented my husband having spinal surgery. We were only using this company as an interim until able to draw on funds which required longer to access than operating date as we were offered a cancellation and everything happened quickly over 4 days ( with a weekend in between when OMNI WAS CLOSED)
So on Monday after seeing surgeon on Thursday night and then getting offer of cancellation the following Tuesday for surgery we started trying to get through to OMNI by phone who verbally agreed to what we requested but had to fill in online form.trying numerous times to fill in their required paperwork on line their system wouldn’t accept certain passwords and on his 3rd attempt of trying to complete form it wouldn’t accept my husbands middle name and kept saying it wasn’t correct!!
Then screen just blocked him out and said his application was denied.
So my husband couldn’t proceed with his operation.
I rang their OMNI number very upset and stressed as was my husband the operative said he would investigate when he came back he said very apologetic that their criteria found my husband was too old !! At 83 fit and healthy ( physically and mentally)and having passed pre operation assessment on the Friday . This is discrimination!!!
THIS MEANT THE SURGERY COULD NOT PROCEED AS SPIRE REQUIRED PAYMENT BY 5 pm THE DAY BEFORE SURGERY

March 9, 2026
Unprompted review
Omni Capital Retail Finance logo

Reply from Omni Capital Retail Finance

Thank you for raising your concerns with us. We can see that you've also contacted our team directly, and we will be in touch with you once we have looked into this further.

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