Finance Options
Finance Options Update
Omni Capital finance is currently unavailable. We are working hard to make this available again as soon as possible.
In the meantime, we offer payments through Klarna and PayPal, both of which provide flexible payment options to help you spread the cost of your purchase, subject to eligibility.
At Sheds.co.uk, we understand that customers want different payment options, which is why we have a long-standing partnership with Omni Capital Retail Finance Limited to offer a range of competitive finance options. These options can help you spread the cost of your shed or garden building over manageable monthly payments.
Once you have read over our finance options and would like to make a purchase using Omni Capital Retail Finance Limited, simply continue to shop online, select a finance option at checkout and complete the online application form. Finance is subject to status, eligibility and the terms of the finance option selected.
We have partnered with Omni Capital Retail Finance Limited to offer a range of flexible finance options. If you have any queries during the application process or when signing your credit agreement, their Customer Service team will be happy to help through their live chat or by phone on 0333 240 8317.
Finance Options
| Finance Option | Loan | Term | Min. Deposit | Representative APR |
|---|---|---|---|---|
| 6 Months Interest Free | £675 - £15,000 | 6 Months | 10% | 0% |
| Classic 24 Months Credit | £250 - £15,000 | 24 Months | 20% | 16.9% |
| Classic 36 Months Credit | £250 - £15,000 | 36 Months | 20% | 16.9% |
| Classic 48 Months Credit | £1,000 - £15,000 | 48 Months | 20% | 16.9% |
| Classic 60 Months Credit | £1,000 - £15,000 | 60 Months | 20% | 16.9% |
Interest-Free Finance (0% APR)
6 Months Interest-Free Finance
We are pleased to offer 0% interest-free finance over 6 months on qualifying orders. This option is available with a loan amount of £675-£15,000 and requires a minimum 10% deposit.
Classic Credit (16.9% Representative APR)
24, 36, 48 & 60 Month Classic Credit
We are pleased to offer Classic Credit, allowing you to spread the cost of your purchase over 24, 36, 48 or 60 months. A minimum 20% deposit is required. Available loan amounts depend on the repayment term selected, as shown in the finance options table above.
All finance applications are subject to status and approval by Omni Capital Retail Finance Limited.
Representative Examples
| CC Representative Example | |
|---|---|
| Purchase Price | £2,149.00 |
| Deposit | £429.80 |
| Amount of Credit | £1,719.20 |
| Total Repayable | £2,444.36 |
| Agreement Duration | 24 Months |
| Monthly Payment | £83.94 |
| Rate of Interest (fixed) | 16.9% p.a. |
| Representative 16.9% APR | |
| 0% Finance Representative Example | |
|---|---|
| Purchase Price | £1,479.00 |
| Deposit | £148.00 |
| Amount of Credit | £1,331.00 |
| Total Repayable | £1,479.00 |
| Agreement Duration | 6 Months |
| Monthly Payment | £221.83 |
| Rate of Interest (fixed) | 0% p.a. |
| Representative 0% APR | |
Finance Provider
Omni Capital Retail Finance
- Authorised and regulated by the Financial Conduct Authority
- Registered office: 10 Norwich Street, London, EC4A 1BD
What Do I Need To Apply?
Finance is subject to status and eligibility. Applicants must meet the criteria set by Omni Capital Retail Finance Limited.
- You must be over 18 years of age.
- You must be a UK resident with at least 3 years of continuous address history.
- You must be in full time employment, unless retired or a house person with a spouse in full time employment.
- You must have a UK bank account capable of accepting Direct Debits.
- You must have a valid Debit or Credit card registered in your name and to the home address on the application form in order to pay your deposit.
Why Choose Interest-Free Finance?
- Spread the cost with manageable monthly payments.
- Online application with an electronic agreement process.
- Pay 0% interest on qualifying purchases.
- Fixed monthly payments for the duration of the agreement, helping you budget more effectively.
Finance FAQs
- How much can I borrow?
- Finance is available on qualifying purchases, with loan amounts of up to £15,000. Minimum loan amounts vary depending on the finance option and repayment term selected. Please refer to the finance options table above for details.
- Is a deposit required?
- Yes. The minimum deposit depends on the finance option selected. Our 6-month interest-free option requires a minimum 10% deposit, while Classic Credit requires a minimum 20% deposit. Please see the finance options table above for further information.
- How are my monthly payments made?
- Monthly payments are made by Direct Debit from your personal bank account. Typically, the first payment will be due one month after delivery, with subsequent payments collected monthly for the duration of your agreement.
- What products can I buy using finance?
- Finance is available on qualifying purchases across our website, subject to the minimum and maximum loan amounts applicable to the finance option selected.
- How Do I Apply?
- Select an available finance option at checkout. You will then be directed to Omni Capital Retail Finance Limited to complete your application and, if approved, electronically sign your credit agreement.
- Can I Pay Off My Loan Early?
- You can settle your loan agreement at any time. Simply contact Omni Capital Retail Finance Limited and they will calculate and send you your settlement figure. Your settlement figure and date are calculated in line with the Consumer Credit Act.
- Who is my financial agreement with?
- Your finance agreement will be with Omni Capital Retail Finance Limited.
- Why has my application been declined?
- Finance applications are assessed by Omni Capital Retail Finance Limited and are subject to their lending criteria and credit assessment. Sheds.co.uk does not make the lending decision. If your application is declined, this may be based on a range of factors considered by the lender.
- What type of information do credit agencies hold about me?
- Some of the information is public information, for example electoral roll, County Court Judgements and bankruptcies. Other lenders may also file information about accounts you hold with them, for instance, this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.