Omni Capital Retail Finance Reviews 

642
TrustScore 4 out of 5

4.0

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

Evaluating 64 reviews, reviewers had a great experience with this company. Customers consistently praise the service provided, describing it as professional, efficient, and hassle-free. Many people highlight the staff's professionalism, helpfulness, and friendly demeanor, making interactions pleasant. The overall user experience, including application processes and communication, is frequently noted as swift, easy, and straightforward. However, some customers also noted issues with finance applications, reporting being declined despite good credit scores or for reasons like age. A few other people also felt that managing payments was difficult, citing issues with communication, complex processes, or inability to make payments.

What people talk about most

Service

Customers consistently note positive experiences with service, praising the efficiency, helpfulness, and... See more

Payment

People report ambiguous experiences with payment, with some customers finding the process quick and easy,... See more

Staff

Consumers find staff to be positive, with many reviewers highlighting the professionalism, helpfulness, and... See more

User experience

Reviewers highlight positive aspects of user experience, with many finding the process quick, easy, and... See more

Customer service

Reviewers mention ambiguous feedback about customer service, with some reporting excellent and helpful... See more

Reviews shaping this summary

Rated 4 out of 5 stars

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... See more

Company replied

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

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


4.0

Great

TrustScore 4 out of 5

642 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.

4.0

All reviews

(642)

63 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 5 out of 5 stars

Very good at sending relevant…

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 is not always the case with finance companies

17 July 2026
Unprompted review
Rated 1 out of 5 stars

Clearly something wrong

I applied for retail finance on a new bike. Refused even for 60 months @ 14% with earnings well into 40% tax bracket and good score. Clearly not the company to do business with. After 4 attempts at different terms only 1 soft check completed. V12 approved 48 months @ 0%.

9 July 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 you're disappointed with the outcome of your application.

A member of our team will be reaching out to you to discuss the decision further.

Rated 2 out of 5 stars

Cannot login to the portal as I have no…

Cannot login to the portal as I have no passcode. Cannot manage, view, or make payment. No way to reset or request! No help at all!

8 July 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've experienced difficulties accessing the Self-Service Portal.

A member of our team will contact you today to assist you further and help resolve the issue.

Rated 1 out of 5 stars

NO COMMUNICATION NO LOGIC

So after not being notified that there was an issue with my agreement the first time. 4 days later I contact the retailer for them to tell me there is an issue with my address from the finance company. So I call Omni and speak to a lovely bloke completely full of bs but he was nice. He said my adress format could be fixed no issue and I will receive an email saying that it's all sorted. However I later get an email saying its not possible when it most definitely is. The email goes on to tell me that I need to cancel and reapply for a new order and agreement. So I do this and get declined. Then I write and appeal which also gets declined. What a silly company I'd avoid them if you can. Awful communication and a waste of your time!

7 July 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 were disappointed by the outcome of your application.

A member of our team will be in touch shortly to provide further information regarding the decision.

Rated 5 out of 5 stars

Fantastic staff

Really pleased with your service staff who came fantastic recommend any to use your company 😀 JP

3 July 2026
Unprompted review
Omni Capital Retail Finance logo

Reply from Omni Capital Retail Finance

Thanks for your positive feedback Jp!

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

29 June 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 5 out of 5 stars

Omni Finance were absolutely brilliant…

Omni Finance were absolutely brilliant from start to finish. The whole process was quick, easy, and completely stress-free. Everything was dealt with in-store, which made it so much more convenient and personal. The team were really helpful and explained everything clearly, so we felt confident every step of the way. Thanks to them, we were able to buy our dream sofa without any hassle. Highly recommend!

9 February 2026
Unprompted review
Omni Capital Retail Finance logo

Reply from Omni Capital Retail Finance

Thank you for your review, we're glad to have been 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

30 June 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

3 June 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.

1 June 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.

1 June 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.

29 May 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.

14 May 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!

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.

Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.

Learn more about other kinds of reviews.

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