Ordering With Finance
We want purchasing your personalised furniture to be as comfortable as possible, so we offer an award-winning 0% finance option. Available on purchases of £1,500 and above over a 6 or 9 month period, this payment option can be secured with a minimum 25% deposit.
Finance is a great way to spread the cost of your purchase, if used responsibly. We have teamed up with Omni, one of the UK’s leading finance specialists, so that you can apply for and complete a loan application quickly and easily – the online application process only takes a couple of minutes to complete, and you will receive confirmation of whether your application has been successful, or referred for further consideration, instantly.
The process for making your purchase using finance couldn’t be easier. Simply place the item (or items) in your basket, choose your, complete the application, and wait for your order to arrive. The application form is quick and simple and includes help text throughout to assist you.
Finance options are a form of credit. If you fail to maintain your payments, your lender could ask a debt collector to contact you or commence legal action to recover the money you owe. A poor repayment record will affect your credit file.
AVAILABLE FINANCE OPTIONS
We offer a range of interest-free finance options to help you spread the cost of your purchase over 6 or 9 months. The value of the loan needs to be over £1,500 and no more than £15,000 and you can choose a deposit of up to 50% of the value of the goods. Your personal payment plan will be dependent on your order value and deposit, however we’ve put some example plans below.
| Order value |
25% deposit |
Amount of credit |
6 monthly repayments option |
9 monthly repayments option |
Total paid |
APR |
|---|---|---|---|---|---|---|
| £2,000.00 | £500.00 | £1,500.00 | £250.00 | £166.66 | £2,000.00 | 0% |
| £2,500.00 | £625.00 | £1,875.00 | £312.50 | £208.33 | £2,500.00 | 0% |
| £3,000.00 | £750.00 | £2,250.00 | £375.00 | £250.00 | £3,000.00 | 0% |
| £3,500.00 | £875.00 | £2,625.00 | £437.50 | £291.66 | £3,500.00 | 0% |
| £4,000.00 | £1,000.00 | £3,000.00 | £500.00 | £333.33 | £4,000.00 | 0% |
Omni wants to make sure that you understand the costs, terms and key features of the finance options available to you. You will see this information as you shop and at checkout.
Use our finance calculator at checkout to see how different loan values, terms and interest rates affect the total amount you need to pay and the monthly repayments. The finance calculator is for illustrative purposes only and is not a quote, or formal offer of finance. The offer you receive if you apply will be dependent on your personal circumstances and the lender’s policies.
It’s important that you understand what this information means for you before you decide to apply for finance. The numbers and information you see when taking out finance can be overwhelming and so Omni has provided a simple guide below to help you.
Here is an example of what you might see at checkout, with some handy explanations to help you understand what it all means. Please note that this is just an example, the format, layout and content of checkout finance calculators may vary.
It’s important to remember that you should only enter into a finance agreement if you are sure you can afford the repayments for the full term of the loan. Whichever finance option you choose to apply for, you need to be sure that you can afford to pay the deposit, and keep up with your monthly repayments. You should think about any changes to your situation that might occur during the term of the loan, which could affect your income or expenditure, for example – retirement, moving home, changing jobs, or any health issues.
Alongside the finance calculator and on some of our promotional banners, you will also see the representative example.
The representative example shows the finance information that we expect to apply to more than half of accepted applications for the specific amount and repayment term.
As we mentioned earlier, the representative example is not a quote or formal offer of finance - we display this to help you understand how much a loan will cost, and so you can compare it with other products.
Whilst these numbers are there to help you understand what a loan will cost you, it’s important that you understand any other potential costs in the terms and conditions of the finance option you select. For instance, you may be charged missed or late payment fees if you don’t keep up with your payments.
FINANCE PROVIDER
You’re in safe hands with our finance provider, Omni Capital Retail Finance. Omni was founded in 2009, is part of Castle Trust Group, and is one of the UK’s leading finance specialists. It is authorised and regulated by the Financial Conduct Authority (reference number 720279).
CHECK YOUR ELIGIBILITY
To be considered for finance, you will need to meet all of the following criteria:
· Are at least 18 years old
· Have a gross annual income of at least £5,000
· 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 Judgments or bankruptcies
· Meet any other Omni criteria
FAQ s
FINANCE DECISION
Will I be accepted for finance?
Your application will be assessed based on eligibility, credit history and affordability and Omni will let you know the outcome in just a few seconds. Your lender 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 if your application is accepted, a ‘hard’ credit check may be made 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.
In a few cases, your application may be referred to a lender for manual assessment and you’ll be notified by email of the credit decision within 24 hours.
What do I do if I have been declined?
If your application was declined, your lender may be unable to give you specific reasons why. Lenders use information from your credit report, alongside your income and expenditure data to make a lending decision. You will receive an email which will provide further details of the Credit Reference Agencies and contact information for any queries you may have.
If you feel that there has been a mistake, please contact your lender.
You can also contact the Credit Reference Agencies if you think there is a mistake on your credit report:
YOUR LOAN AGREEMENT
Before signing your credit agreement, you will be given some important documents that include key information about your loan. It is important that you read these documents and understand the information and key terms. If you have any questions about the information in your credit agreement before you sign it, Omni’s customer support team can help - you can contact them on [email protected] or by phone on 0333 240 8317.
Who should I contact if I have a question about my loan?
For any questions about your loan, such as your Direct Debit or updating your personal details, please contact your lender. There are three ways to contact Omni:
• Through the Customer Self Service Portal.
• By email at [email protected]
• By telephone on 0333 240 8317.
I'm having problems paying my deposit online
Please contact Omni customer support at [email protected] or on 0333 240 8317.
When will I receive a copy of my loan agreement?
You will be presented with an unsigned copy of your credit agreement for you to sign once your lender has made their decision. Once you have signed your credit agreement, your lender will also sign it and a copy will be available for you to download. These will also be emailed securely to your given email address.
If you need a copy of your agreement at any point after this, you can request this from your lender.
The terms of your loan agreement will set out your right to withdraw. You may be able to withdraw from your loan agreement within 14 days. However, if you do so, you will still be responsible to pay for your goods by another payment method.
PAYMENTS AND ORDER
How do I make monthly payments?
After your goods or services have been provided your loan will be activated. Your first Direct Debit payment will be taken approximately 30 days after you receive your welcome email from Omni. 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.
Can I request delivery to an address other than my home address?
In order to safeguard against fraudulent applications, we are only able to deliver goods to your home address.
I want to ammend my order
If you have been approved for finance, the amount or term cannot be amended. You will need to contact us (Willow & Hall) to amend the goods or services you ordered and you may need to complete a new application for finance. Please note we cannot guarantee a new credit application will be approved.
I haven't received my goods or services
Please contact us using our email form and we will help you.
I want to change my direct debit details
Changing your payment date can only be done once the first payment has been taken. Please contact your lender to talk to them about updating your Direct Debit details.
Are there any fees or charges to pay?
There is no fee for processing your application, and Omni does not charge you for its credit broking services.
Fees will be payable to your lender if you fail to maintain your repayments. Fees and charges may include late payment fees and administration/letter fees if you are issued an arrears or default notice. 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.
Is finance available on all furniture?
Finance is available on all furniture as long as the order total is £1,500 and above.
How much will interest be charged at?
There is no interest on your repayments. Our finance is 0% APR over the 6 or 9 month period.
CANCELLATIONS AND RETURNS
I want to return my goods and cancel my finance agreement
Please see our Terms & Conditions for details regarding our cancellation policy.
You have 14 days to cancel your credit agreement, please note that to cancel your goods and services you will need to contact us (Willow & Hall) directly. Cancelling your finance agreement with Omni without cancelling the goods and services will mean payment for the goods and services will still be required.
What happens to my loan if I want to return my order?
If you are not satisfied with your purchase you can return it up to 14 days after delivery. In this case, we will notify your lender to reduce your loan amount accordingly. You will receive confirmation from your lender within 3-5 business days after we received your return in cases where a full refund is processed.
YOUR PERSONAL OR FINANCIAL CIRCUMSTANCES
It’s a fact of life that things can change for any of us. If something changes in your personal, or financial circumstances, and you're worried about repayments, Omni can help. Information about how Omni can support you can be found on their website:
https://omnicapitalretailfinance.co.uk/money-worries/
Or contact them on 0333 240 8317 or [email protected] for assistance.
USE OF YOUR PERSONAL DATA
To process your application, you will be asked to provide information about your personal, employment and financial situation. Omni Capital Retail Finance Limited will use your data to determine your finance offer. They will also perform a search with one or more Credit Reference Agencies to conduct checks for creditworthiness and any affordability assessments to help them make their decision. You can find out more about how Omni Capital Retail Finance Limited uses and protect your personal data at https://www.omnicapitalretailfinance.co.uk/privacy-policy/
Omni Capital Retail Finance Limited will provide you with a copy of their Privacy Policy with your loan documents.
STILL HAVE QUESTIONS?
If you still have questions about your finance application or need some help completing it, contact Omni’s customer support team on [email protected] or by phone on 0333 240 8317.
LEGAL INFORMATION (FCA DISCLAIMER)
Willow and Hall Ltd is a credit broker, not a lender. We do not charge you for credit broking services. We will introduce you exclusively to Omni Capital retail finance products provided by Omni Capital Retail Finance.
0% finance with a term of 12 months or less is not regulated by the Financial Conduct Authority.
Omni’s registered address is: 10 Norwich Street, London, EC4A 1BD
Willow & Hall is registered in England and Wales with company number 08224678. Registered address: 9 Cabot Lane, Poole, England, BH17 7BY. Terms and Conditions can be found at https://www.willowandhall.co.uk/our-terms-and-conditions/. Willow & Hall acts as a credit broker and offers credit products exclusively from Omni Capital Retail Finance. Willow & Hall is authorised and regulated by the Financial Conduct Authority, registration number: FRN 955410.
Finance is provided by Omni Capital Retail Finance Ltd which is a credit provider/lender. Willow & Hall 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.