Check your eligibility
You will only be considered for finance if you:
- Are at least 18 years old
- You’re in paid employment or have a regular income (minimum 16 hours per week or £5,000 per annum, unless you are retired and receiving a private / company pension or in receipt of disability allowance)
- Are a permanent UK resident and have lived in the UK for at least 3 years
- Have a UK bank account capable of accepting Direct Debits
- Have a good credit history with no late payments, debt relief orders, County Court Judgment (CCJs), Individual Voluntary Arrangement (IVAs) or bankruptcies
- Provide an email address so your documentation can be emailed to you
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Will a credit search be registered against me if I apply?
Omni will perform a ‘soft’ credit search on your credit file as part of their assessment, to determine whether the loan is affordable for you and if you are likely to make your repayments on time. It’s important to know that an application for credit will only result in a ‘soft’ search on your credit file until the point your application for finance is complete, at which point a ‘hard’ credit check will be recorded on your credit file. Only you can see that a ‘soft’ search has been made on your credit file, but a ‘hard’ credit check will be visible to others viewing your credit file, for example, if you apply for credit in the future, the lender will see that an application credit search was made on your credit file.
Representative example:
0% finance over 12 months
Total order value = £600
10% deposit = £60
Total amount of credit = £540
Duration = 12 months
Representative APR = 0%
Interest charged = £0
12 monthly payments of = £45
Total amount payable = £600
Managing the loan
Your first direct debit payment will be taken approximately 30 days after it is activated. This will show on your statement as a payment to Omni. You can request to change your monthly payment date after the first payment has been made by contacting Omni and speaking to their customer services team on 0333 240 8317. You will also be registered for their Customer Self Service portal, where you will be able to change the payment date yourself.
How can I contact the lender to discuss my loan?
There are three ways to contact Omni:
Through the Customer Self Service Portal
By email at customerenquiries@ocrf.co.uk
By telephone on 0333 240 8317
Are there any fees for repaying my loan early?
There may be a fee for early repayment depending on the type of loan. Your Credit Agreement will detail the
applicable fees for your product.
Can I cancel my finance agreement?
You have 14 days to cancel your credit agreement, please note that cancelling your finance agreement with Omni will mean payment for the veterinary services will still be required.
Financial Disclosure
Clinical records and similar documents are the property of Registry Surgery Ltd T/A Old Registry Vets, Address: 105 Humber Road, Blackheath, London, England, SE3 7LW, Company Number: 10439346, VAT: 264708683.
Finance is provided by Omni Capital Retail Finance Ltd which is a credit provider/lender. Registry Surgery Ltd T/A Old Registry Vets does not receive payment for introducing customers to Omni Capital Retail Finance. Omni Capital Retail Finance Ltd finance options are subject to individual status, and terms and conditions apply. Your application will be subject to a credit check using a recognised credit reference agency as part of our assessment process. You can find Omni Capital Retail Finance’s Terms and Conditions at www.omnicapitalretailfinance.co.uk.
Omni Capital Retail Finance Ltd is registered in England and Wales with company number 7232938. Registered address: 10 Norwich Street, London, EC4A 1BD. Authorised and regulated by the Financial Conduct Authority, Firm Reference Number: 720279.
