The piece you’ve been waiting for shouldn’t wait for you.
Whether it’s the ring you’ll propose with, the gift you’ve been planning for years, or the moment you mark in gold — spread the cost over 12 months, with zero interest, through Omni Capital Retail Finance.
In partnership since 2018
What you get
Equal monthly payments spread over a year. No balloon payment, no surprises at the end.
Zero interest, zero hidden fees. You pay exactly the price shown — nothing more.
A soft-search credit decision in around a minute — with no impact on your credit score to check.
Two ways to apply
Choose Pay by Finance at checkout. You’ll be passed securely to Omni Capital’s portal to complete the short application — takes around two minutes.
Available on orders of £250 or more. A 10% deposit is required at the point of application.
Visit us at 7 Murray Place, Stirling. Our team will walk you through the application in store — and if approved, you can take your piece home the same day.
Mon–Sat 9:30–5:00. No appointment needed.
Common questions
Is there really no interest at all?
Yes — 0% APR means the total amount you repay is exactly the cash price of the piece. Omni Capital charges Ian Gallacher, not you.
Will applying affect my credit score?
The initial eligibility check is a soft search and leaves no footprint on your credit file. A full application will involve a hard search, which Omni Capital will tell you about before you proceed.
What's the minimum purchase for finance?
Finance is available on orders of £250 or more. A minimum 10% deposit is required at the point of purchase.
Can I pay off early?
Yes — you can settle your agreement at any time with no early-repayment charge.
What if I want bespoke work financed?
Bespoke commissions can also be financed. Speak to us in store or over the phone and we'll arrange a quote before you apply.
Representative example: Cash price £1,200, deposit £120, 12 monthly payments of £90, total amount payable £1,200, 0% APR. Available on purchases over £500. Credit subject to status. Ian Gallacher Limited acts as a credit broker, not a lender, and is authorised and regulated by the Financial Conduct Authority. Omni Capital terms & conditions.