Start owning the fishing tackle you want today.
If you're set on buying your new fishing tackle, there's no need to get weighed down by the total cost of it straight away. If you break it down into monthly payments over time, it's much more manageable than you might think.
How it works
Finance options are available for all purchases over £280 value.
Pay a fixed deposit, depending on the price of the purchase. The rest is split into monthly payments up to 12 months interest free. At the end of your contract when you've made your final payment, the equipment is all yours. You could own that dream rod, reels or bivvy sooner than you thought.
Which Finance Options Are Available?
All products on our website with a value over £280 are interest free.
You can apply for finance over the telephone by ringing us on 01803 203204 or by email to firstname.lastname@example.org where we will send you a link to apply online.
All finance is subject to acceptance by our finance provider and a credit check will be carried out on the applicant.
Call 01803 203204 to discuss finance options in more detail.
We offer our customers the ability to apply for simple finance facilities to fund a purchase from us. Once you are accepted by Omni Capital Retail Finance you will be asked to eSign the credit agreement and once in receipt of your purchase, Omni Capital will make your agreement live and your monthly repayments will commence for the agreed term. In short retail finance gives you the flexibility to buy what you really want now, not just what you can afford today by spreading the cost of your purchase over a repayment period that suits your budget.
You must: Be at least 18 years of age Have been a UK resident for 3 years or more Be able to make repayments by direct debit Be in regular employment* (minimum of 16 hours per week) including self-employment, or in permanent residence with your spouse/partner who is in regular employment *If you are retired and receive a pension or registered disabled and unable to work, Omni Capital Retail Finance may ask for proof of sufficient income.
During the loan application process you will be asked for your personal information such as name, 3 year address history, date of birth, email and telephone contact details and employment/income information. If you are accepted you will also need a credit or debit card registered to you at your address on the credit application so that the lender can carry out an electronic identity check.
With most applications we expect that you will be given an acceptance or decline decision within 10-20 seconds. In some cases the lender may return the decision as ‘referred’. You will then receive an email with further instructions once the underwriters have made a decision. For in store applications you can usually wait in the shop whilst the underwriters review your application. Underwriting hours are between 8am and 8pm, Monday to Friday (excluding Bank holidays), 9am and 6pm on Saturday, and 10am and 5pm on Sunday. If your application is referred outside of these hours then you may have to wait until the next working day for the decision.
For finance orders made online or via mail order we are only able to deliver the goods to the address on your credit agreement (your home address). You will not be able to have the goods shipped to another address or collect the goods from us in person.
Returns & Cancellation Procedure
If you wish to return the order then please refer to our returns policy. If we accept your return we will contact the lender to cancel the credit agreement. We may not able to cancel the finance if the return falls outside of our returns period.
Declined Credit Applications
You will be informed of the decision if the lender declines your application, the lender in unable to share the reason for decline with us. Applications are usually declined for reasons such as:
You do not meet the eligibility criteria (see above);
· adverse credit reference agency information;
· your credit score;
· you are considered to be overcommitted;
· or your existing account performance with other lenders.
The lender will give you the contact details for the credit reference agency used. They will also give you information on how to appeal the decision if you wish to discuss the matter. Please note that the lender is unable to discuss this over the telephone due to Data Protection rules. You should also note that each lender applies its own credit score to applicants so if you have recently been accepted for credit elsewhere this does not necessarily mean that appealing the decision on this basis alone will result in a change of decision.
Euro Angling Limited acts as a credit broker and only offers credit products from Omni Capital Retail Finance.
Omni Capital Retail Finance Ltd is registered in England and Wales, Reg. No 7232938
Registered address: 10 Norwich Street, London, England, EC4A 1BD
Omni Capital Retail Finance is Authorised and Regulated by the Financial Conduct Authority
Firm Reference Number 720279
1 Tor Hill House
TQ2 5QW01803 203204