Spread The Cost With Our Finance Options
At RattanGardenFurniture.co.uk we understand that customers want different payments options, which is why we have a long-standing partnership with Omni Capital to be able to offer you competitive finance options. There are multiple products to help you spread the cost of your garden building needs so that you can enjoy your desired purchase straight away.
We have partnered with Omni Capital Retail Finance Limited to offer you a range of flexible finance options. For any queries during the application process or when signing your credit agreement, their Customer Service team will be happy to help either through their live chat by pressing the help button, by phone on 0333 240 8317 or by their online form.
We can also offer custom finance options, subject to approval. Please contact us or call us on 0345 0346 570 for more information.
Finance Options
| Finance Option | Loan | Term | Min. Deposit | Representative APR |
|---|---|---|---|---|
| 4 Months Interest Free | £250 - £1,500 | 4 Months | 10% | 0% |
| Classic 24 Months Credit | £250 - £15,000 | 24 Months | 20% | 16.9% |
| Classic 36 Months Credit | £250 - £15,000 | 36 Months | 20% | 16.9% |
| Classic 48 Months Credit | £1,000 - £15,000 | 48 Months | 20% | 16.9% |
| Classic 60 Months Credit | £1,000 - £15,000 | 60 Months | 20% | 16.9% |
For help with your finance please call 0345 0346 570
Interest Free (0% Finance)
4 Months 0% Interest Free
We are also pleased to offer our customers a 0% Interest for 4 Months. This option is for orders between £278-£1,667, based on a 10% deposit for a loan of £250-£1,500. Allowing you to pay up to 4 months with 0% Interest. 10% deposit is required.
12 Months 0% Interest Free
We are also pleased to offer our customers a 0% Interest for 12 Months. This option is for orders between £500 - £15,000. Allowing you to pay up to 12 months with 0% Interest. A 10% deposit is required.
24 Months 0% Interest Free
We are also pleased to offer our customers a 0% Interest for 24 Months. This option is for orders between £1,000 - £15,000. Allowing you to pay up to 24 months with 0% Interest. A 10% deposit is required.
Classic Credit (CC - 16.9% APR)
24, 36, 48 & 60 Month Classic Credit
We are pleased to offer our customers the Classic Credit option, allowing you to pay for your product over a 24, 36, 48 or 60 month period. This option is for orders between £313- £18,750, based on a 20% deposit for a loan of £1,000-£15,000. 20% deposit is required.
Applying for finance only takes a few minutes and your financial approval will be turned around in seconds.
Representative Examples
| CC Representative Example | |
|---|---|
| Purchase Price | £1,254.00 |
| Deposit | £250.80 |
| Amount of Credit | £1,003.20 |
| Total Payment (incl. deposit) | £1,426.32 |
| Agreement Duration | 24 Months |
| Monthly Payment | £48.98 |
| Rate of Interest (fixed) | 16.9% p.a. |
| Representative 16.9% APR | |
| 0% Finance Representative Example | |
|---|---|
| Purchase Price | £1,414.00 |
| Deposit | £141.40 |
| Amount of Credit | £1,272.60 |
| Total Payment (incl. deposit) | £1,414.00 |
| Agreement Duration | 4 Months |
| Monthly Payment | £318.14 |
| Rate of Interest (fixed) | 0% p.a. |
| Representative 0% APR | |
For help with your finance please call 0345 0346 570
Finance Providers
Omni Capital Retail Finance
We use Omni Capital Retail Finance to offer our finance options.
- Registered businiss name: Omni Capital Retail Finance Limited
- Authorisation & regulation: Authorised and regulated by the Financial Conduct Authority
- Business registered address: Registered office 10 Norwich Street, London, EC4A 1BD
What Do I Need To Apply?
To apply for finance you must meet the following criteria:
- You must be over 18 years of age.
- You must be a UK resident with at least 3 years continual address history.
- You must be in full time employment, unless retired or a house person with a spouse in full time employment.
- You must have a UK bank account capable of accepting Direct Debits.
- You must have a valid Debit or Credit card registered in your name and to the home address on the application form in order to pay your deposit.
Why is Interest Free Credit an advantage?
- Spread the cost with easy manageable monthly payments.
- Instant online decisions with eSign paperless process.
- Leaves you with extra cash by spreading the cost.
- Fixed Payments - your payments are fixed for the duration of the agreement allowing you to budget more effectively.
For help with your finance please call 0345 0346 570
Frequently Asked Finance Questions
How much can I borrow?
Please contact us or call us on 0345 0346 570 for more information on what you can borrow, please remember however that the minimum order value for finance is £278.
Is a deposit required?
A 20% deposit is required for 0% finance options. A deposit is not required for any classic credit agreement. However, you can pay an optional deposit to reduce you monthly instalments if you wish.
How are my monthly payments made?
All monthly payments are paid by direct debit from your personal bank account. Typically the first payment will be due one month after the delivery of your goods, subsequent monthly payments will be due every month for the length of your agreement.
What type of goods can I buy on Finance?
Anything on our website. Please remember that the minimum order value for finance is £278.
How do I apply?
Finance applications are available on request, please contact us or call us on 0345 0346 570 for more information.
Can I pay off my loan early?
You can settle your loan agreement at any time. Simply contact Omni Capital Retail Finance Limited and they will calculate and send you your settlement figure. Your settlement figure and date are calculated in line with the Consumer Credit Act.
Who is my financial agreement with?
Sixty Stores Ltd work via Omni Capital Retail Finance Limited. Your financial agreement will be with Omni Capital Retail Finance Limited.
Why has my application been declined?
In addition to credit scoring, we also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Although we are unable to provide you with a reason if your application is declined, it is usually based on one or more of the following reasons:
- Adverse credit reference agency information
- Your credit score (note that every finance company will score you differently)
- You are aged under 18
- You are considered to be overcommitted
- Poor account performance with other lenders
What type of information do credit agencies hold about me?
Some of the information is public information, for example electoral roll, County Court Judgements 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.
We can offer custom finance options, subject to approval
Call 0345 0346 570
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