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Omni Capital Finance

How to buy with Finance:

Thinking of choosing finance?

Our finance options may allow you to spread the cost of your purchase over monthly installments*. We’ve teamed up with Omni Capital Finance whose smart technology allows you to apply for and complete the loan application online with an instant decision.

To use finance as a payment method, start by adding the items you intend to buy to your basket. Once at the checkout, enter all your details and select the ‘Omni Capital, Pay by Finance’ option, by default the deposit will be 10% of your total order value but you can increase this as you like, select a term length that suits you and click apply for finance. At this point, you will be taken off-site momentarily to provide your details through our secure Omni Capital Finance Application portal. Once you have completed the application form, it should take no more than a couple of minutes to receive a decision.

*Missing payments can have serious consequences for you. Your credit rating may be affected which will make it more difficult or more expensive for you to obtain credit in the future.


Financial Information

Apply for monthly financing during checkout. It’s a user-friendly, application process with an almost instant decision. 

12-month options are 0% interest-free.

24, 36, 48, and 60-month options are subject to an interest rate of 11.90% APR.

Please spend responsibly. Borrowing more than you can afford could seriously affect your financial status. Make sure you can afford to make your monthly repayments on time.


Credit is subject to status and affordability. Terms & Conditions Apply. Hatton Jewellers Ltd trading as Hatton Jewellers is a credit broker and is Authorised and Regulated by the Financial Conduct Authority. 

Credit is provided by Omni Capital Finance, authorised and regulated by the Financial Conduct Authority. Financial Services Register no. 7232938. The register can be accessed at



If you decline my application, what is the reason?

In addition to credit scoring, Omni Capital also takes into account confirmation of your identity, validation of certain application details, existing commitments, and information held at credit reference agencies. Though Omni Capital is unable to provide you with a main reason for declining your application, it is usually based on one, or a combination of the following:

  • Your credit score (please note that every finance company will score you differently)
  • Adverse credit reference agency information
  • You are considered to be overcommitted
  • You are aged under 18
  • Your existing account performance with other lenders

What type of information do credit reference agencies hold about me?

Some of the information is public information, for example, electoral roll, County Court Judgments, 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.

How do I obtain a copy of this information?

Send a request to the relevant credit reference agency, together with details of all addresses at which you have lived over the last 6 years:

  • Experian Limited, Customer Support Centre, PO Box 9000, Nottingham, NG80 7WF
  • Equifax Ltd., Customer Service Centre, PO Box 10036, Leicester, LE3 4FS
  • TransUnion International UK Limited, Consumer Services, PO Box 491, Leeds, LS3 1WZ

The above-listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.

If my application is not successful, can I re-apply?

Yes. We acknowledge that circumstances change and just because a previous application has been refused, it does not mean that a further request will automatically be turned down. We do suggest, however, that you leave at least 6 months between applications.

Can I request delivery to an address other than my home?

In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant. 

What are APR and Rate of Interest?

The 'rate of interest' is the cost you will pay each year to borrow the money, expressed as a percentage rate. It does not reflect fees or any other charges. The 'APR' is a broader measure of the cost of borrowing than the interest rate. The APR reflects the interest rate and other charges that you pay to get the loan. The FCA description of any APR is "APR stands for the Annual Percentage Rate of charge. You can use it to compare different credit and loan offers. The APR takes into account not just the interest on the loan but also other charges you have to pay, for example, any arrangement fee. All lenders have to tell you what their APR is before you sign an agreement. It will vary from lender to lender.



On the rare occasion that we do receive a complaint, we take it very seriously. If you are unhappy with any aspect of the goods you purchased with us you may contact us in any way you prefer. Our contact details are as follows;

Phone: 0207 537 2270

Email: [email protected]

Address: 29 Hatton Wall, Hatton Garden, Farringdon, London, EC1N 8JJ

If your complaint relates to your finance agreement

If your complaint relates to the finance linked to your purchase you can still let us know about this, but we will forward it to your credit provider Omni Capital. Omni Capital will acknowledge your complaint and investigate it thoroughly and issue their response within eight weeks. 


If you are not satisfied with Omni Capital's response to your complaint relating to the finance agreement, you may be able to refer the matter to the Financial Ombudsman Service. You must contact them within six months of the date of Omni Capital's final response letter to you.

They can be contacted in the following ways:

Further details can be found on the Financial Ombudsman Service 


Credit subject to status and affordability. Terms & Conditions Apply. Hatton Jewellers Ltd trading as Hatton Jewellers is a credit broker and is Authorised and Regulated by the Financial Conduct Authority.

Credit is provided by Omni Capital Retail Finance Ltd is registered in England and Wales, Reg No 7232938.

Registered address: 10 Norwich Street, London, EC4A 1BD. The register can be accessed through