You can apply online before you visit, or in around ten minutes at the showroom. A soft check confirms eligibility without affecting your credit score.
Frequently asked questions
What are my finance options?+
Orders of £500 or more online (£1,000 in-store) qualify for finance through Omni Capital Retail Finance, subject to status. Choose 10 or 12 months at 0% interest with no fees, or spread the cost further over 24 months at 6.9% APR. Equal monthly payments, no balloon payment at the end.
Will applying affect my credit score?+
The initial eligibility check is a soft search that does not affect your credit score. A full application involves a hard search, which is recorded on your file in the normal way. Omni Capital is authorised and regulated by the Financial Conduct Authority.
How much deposit do I need?+
A minimum 10% deposit, up to a maximum of 50%, is paid at the point of purchase. Within that range you choose the deposit that suits you — a larger deposit means smaller monthly payments. We will confirm the figures clearly before you commit.
Can I pay the balance off early?+
Yes. Interest-free agreements can be settled early at any time with no penalty. Contact Omni Capital directly to arrange a settlement figure.
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Still have a question? Call us on 01786 473696 or visit us at Ian Gallacher Jewellers, 7 Murray Place, Stirling.