Omni Capital Retail Finance Reviews 

655
TrustScore 4 out of 5

4.2

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

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

5-star
4-star
3-star
2-star
1-star

No recent history of asking for reviews

This company hasn't invited customers recently, so reviews may not be representative

At Trustpilot, it's all about human content. This business can also access our AI-assisted response tool which helps them draft replies.

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

4.2

All reviews

(655)

75 reviews in the last 12 months

Write a review
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 1 out of 5 stars

Check if your finance is protected, should the company go into liquidation

Took finance out with Omni Capital via Sk:n clinics. Wasn't made clear to me that this credit was NOT protected by Section 75 of the Consumer Credit Act should Sk:N go into liquidation.

Lost approximately £800. Use a credit card instead if you can.

Omni Capital - offered no support and I lost both the treatments I paid for and consequently my money too.

September 19, 2024
Unprompted review
Omni Capital Retail Finance logo

Reply from Omni Capital Retail Finance

We’re sorry to hear that you’ve been impacted by the collapse of the SK:N Group.

We can see that you previously contacted us directly and we have explained the current situation with your loan account.

We have offered support to our customers by referring them to the receiver in charge of the administration to assist with recording any claims for reimbursement.

Rated 5 out of 5 stars

Amazing experience

I just want to say a huge thank you to Omni Capital Finance for the incredible support they gave me during a really difficult time. I was unable to work due to struggles with my mental health and found myself in a position where I couldn’t keep up with my loan repayments. When I reached out to explain, I was met with such kindness and understanding.
Every person I spoke to was so lovely, empathetic, and non-judgmental — it made a stressful situation feel a lot more manageable. I’m sorry I can’t remember all of their names, but I do want to give a special mention to Rianne, the last person I spoke with. She was so efficient, patient, and genuinely kind.
It’s rare to come across a finance company that treats people like people, especially during tough times, and I’m truly grateful for the support I received. Thank you again to the team at Omni Capital.

May 28, 2025
Unprompted review
Rated 1 out of 5 stars

SHOCKING COMPANY!!!

Terrible company...I havnt had any correspondence since I took the loan agreement in 2022...ive tried many times to contact them through all of their telephone numbers but no one answers often waiting on hold for over 20 mins...ive sent several emails regarding my account no one returns emails either..I have had no contact with them in years...so I've cancelled my DD..so they are forced to ring me...just shocking!!..Will never use them again..such a lack of support..communication and information..zero help with your own account..cant even access online as it doesn't recognise my reference number!!!..just nothing!!!!

April 22, 2025
Unprompted review
Omni Capital Retail Finance logo

Reply from Omni Capital Retail Finance

We’re sorry that you’ve experienced difficulties in contacting us.

A member of our team will be reaching out to you today to help you.

Rated 1 out of 5 stars

Useless communication

Useless communication, very eager to get off the chat with me. without answering my questions when I'm needing assistance. then cancel straight away with no response. take your buisness elsewhere these people don't seem to have time for there potential customers

April 18, 2025
Unprompted review
Omni Capital Retail Finance logo

Reply from Omni Capital Retail Finance

We’re sorry that you didn’t get the answers you needed when contacting us.

If you still require assistance, please email our team at customerenquiries@ocrf.co.uk and we will be happy to help.

Rated 5 out of 5 stars

Great experience with Safi

I had a great experience with Safi khayer. He was very knowledgable and made me feel very comfortable. Very very pleased with my experience and I am excited to start my journey!

April 16, 2025
Unprompted review
Rated 5 out of 5 stars

Thankyou for trusting in me,I have…

Thankyou for trusting in me,I have brought something that will be with me forever as a 44th birthday present so Thankyou couldn’t have done it without you. Liam payments from me won’t be missed because I will use you again 100% to buy more gold for my children

April 16, 2025
Unprompted review
Rated 5 out of 5 stars

Phoned Omni Capital Finance today with…

Phoned Omni Capital Finance today with a few queries.
A Lovely Lady Rhian answered all my questions,so polite.A Credit to your Company to have such a charming person.Thankyou from me to her.

April 15, 2025
Unprompted review
Rated 5 out of 5 stars

Simple and quick

Simple and quick.
Was amazed at the speed my application was accepted.
Would definitely recommend this company …

April 10, 2025
Unprompted review
Rated 5 out of 5 stars

A short trip from serious to pleasurable!

As regulated and serious as arranging a loan has to be Omni have made it easy and light going via their online form. Once I realised each section could be clicked through once I'd found the acceptance tick box it was simple to do and quick. Borrowing money can be worrying but can also be pleasurable as Omni have shown here. Thanks

March 19, 2025
Unprompted review
Rated 5 out of 5 stars

Excellent service

Everyone I spoke to was very polite and inormative and if they didn't know the answer or were unsure they sought advice from management which I felt was reassuring. Nothing was too much trouble for the company and their communication skills were excellent as well as knowing that everything was recorded which gave me a sense of relief. I have high praise for all the staff i have been in contact with they have been amazing and a credit to the company I would definitely contact them again if in the future I required a loan thanks omni

March 18, 2025
Unprompted review

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look