Omni Capital Retail Finance Reviews 

646
TrustScore 4 out of 5

4.1

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Review summary

Created with AI, based on recent reviews

Evaluating 65 reviews, reviewers had a great experience with this company. Customers consistently praise the staff for their professionalism, politeness, and helpfulness, noting that interactions are pleasant and supportive. Many people highlight the exceptional service and smooth user experience, finding processes to be quick, easy, and stress-free from start to finish. Reviewers also appreciate the clear communication and efficient handling of their needs, often mentioning interest-free payment options and flexible adjustments. However, some customers also noted significant difficulties with payment management and customer service. People reported complex processes, issues making payments, and being unable to view their accounts, sometimes leading to missed payment notifications on credit files. Some reviewers were not happy with applications being declined despite excellent credit scores, and others experienced unexpected charges, early repayment fees, or rude customer service responses when seeking assistance.

What people talk about most

Service

Users describe positive interactions with service, highlighting excellent customer service, efficient... See more

Payment

Reviewers mention ambiguous feedback about payment, with some finding the process quick, easy, and clearly... See more

Staff

Reviewers highlight positive aspects of staff, consistently praising their professionalism, helpfulness, and... See more

User experience

Consumers find the user experience to be positive, with many describing the process as quick, easy, and... See more

Customer service

Customers had ambiguous experiences with customer service, with some reviewers reporting excellent service,... 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

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 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


4.1

Great

TrustScore 4 out of 5

646 reviews

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4.1

All reviews

(646)

66 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

Happy Customer

Made an application to finance a purchase of some PA equipment. Straightforward application process, quick decision and purchase completed within 30 minutes. Smooth and easy ... thank you!

26 July 2026
Unprompted review
Omni Capital Retail Finance logo

Reply from Omni Capital Retail Finance

We're pleased you found the application process quick and easy, and hope you're pleased with your new PA equipment!

Rated 5 out of 5 stars

Ms Shantel was extremely patient

Ms Shantel was extremely patient, kind and professional and in addition to this Ms Shantel has a special skill to ask relevant questions and the wisdom of understanding my severe health issues burdens I and my beloved wife have been dealing with since 23rd December 2024 which is going to continue via various appointments, treatments and surgery prostate and now my severe bladder continously getting infected by highly dangerous bacteria which causes sepsis and she kindly took notes of my severe arthritis and osteoarthritis in all my hands and fingers and spine column which is getting worse day by day,so she decided to grant me 3/6 months lower monthly payments of £50 to ease our super stressful current life health issues situation.

23 July 2026
Unprompted review
Omni Capital Retail Finance logo

Reply from Omni Capital Retail Finance

We're pleased that we were able to play our part in helping you manage your medical circumstances, and hope that Ms Shantel is able to help you further.

Rated 5 out of 5 stars

Good service!

Good service!! Amazing bed best choice I haver made

14 July 2026
Unprompted review
Omni Capital Retail Finance logo

Reply from Omni Capital Retail Finance

We're delighted that you are pleased with your purchase!

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
Omni Capital Retail Finance logo

Reply from Omni Capital Retail Finance

Thanks for your feedback - we're pleased that you've found the information useful, and that the loan is flexible enough to meet your needs.

Rated 5 out of 5 stars

Great experience …

Great experience from Scott (salesman) to the team that fitted my windows so great and I had to do the rest of my windows with them.

1 July 2026
Unprompted review
Omni Capital Retail Finance logo

Reply from Omni Capital Retail Finance

Thanks for the great feedback!

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.

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