Also known as: Omni Capital Retail Finance; Omni Capital Finance
Omni Capital Retail Finance Limited is a UK provider of point-of-sale retail finance. It offers consumers the ability to spread the cost of purchases made at partner retailers over a number of months, typically with interest-free or low-interest options depending on the product chosen.
Omni Capital works through a network of retail and trade partners rather than offering products directly to the general public. Retailers and service providers integrate Omni Capital's finance into their checkout or sales process. Partner sectors have included healthcare and dental services, home improvements, and other consumer goods and services.
The company is part of the Novuna group (formerly Hitachi Capital / Mitsubishi HC Capital UK).
If you are considering a finance agreement through a retailer using Omni Capital, always check the full cost of credit including any interest or fees before signing, and make sure you can comfortably afford the repayments throughout the full term.
If you have an Omni Capital retail finance agreement and need to contact them, details are available on their website at omnicapitalretailfinance.co.uk. Omni Capital Retail Finance Limited is authorised and regulated by the Financial Conduct Authority.
If you are struggling with repayments on an Omni Capital agreement, contact their customer service team to discuss your situation. Free debt advice is available from StepChange on 0800 138 1111, National Debtline on 0808 808 4000, or Citizens Advice. These services are entirely free and confidential.
Quick summary
Always verify this information directly with the company, the FCA Register and Companies House before relying on it.
These are general questions that may be relevant to your situation. They are not personalised advice.
Always use contact details from Omni Capital Retail Finance Limited’s official website ↗ or the FCA Register — not from unexpected letters or messages.
Main products and services
Point-of-sale retail finance; Interest-free and interest-bearing finance for specialist retailers; Finance for jewellery, home improvement, healthcare, and leisure sectors
Trading names and group notes
Acquired by Castle Trust Capital in 2017. Castle Trust Capital is backed by US private equity firm J.C. Flowers & Co.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
4.2
~625 reviews
Overall public sentiment
Generally positive. Customers appreciate accessible finance for specialist purchases. Most recent review dated April 2026 on Trustpilot.
Check whether repayments fit your budget
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Source URLs used in preparing this record
Date checked
2026-06-05
Next review due
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