Camera Finance

Spread The Cost Of Your Camera kit

Using finance to fund your camera purchase enables you to buy a camera, lens or any other camera equipment within a monthly budget to suit you. Rather than fully funding an expensive purchase, which we know all about as we are keen photographers ourselves, you can now choose to pay for your kit with a range of finance options provided through the Omni Capital Retail Finance Ltd.

Thinking of choosing finance?

Used responsibly, finance is a great way to spread the cost of your purchase. We have teamed up with Omni, one of the UK’s leading finance specialists, so that you can apply for and complete a loan application quickly and easily.

Omni Capital Retail Finance Ltd which is a credit provider/ lender regulated by the Financial Conduct Authority. Find out more about how Park Cameras and Omni Capital Retail Finance are regulated, under the “Financial Disclosure” section of this page.

Check your eligibility

To be considered for finance, you will need to meet all of the following criteria:

• Are at least 18 years old
• Are in regular full or part-time employment (minimum 1 hour per week or £10,000 income per annum), unless you are retired and receiving a private or company pension, or you are in receipt of disability living allowance
• Are a permanent UK resident and have lived in the UK for at least 3 years
• Have a UK bank account capable of accepting Direct Debits
• Have a good credit history with no late payments, Debt Relief Orders, County Court Judgments or bankruptcies.

Available Finance Options

We offer a range of interest-free and interest-bearing finance options to help you spread the cost of your purchase over 6 to 48 months The value of the loan needs to be over £300 and no more than £15,000 and you can choose a deposit of up to 50% of the value of the goods.

Whichever finance option you choose to apply for, you need to be sure that you can afford to pay the deposit, and keep up with your monthly repayments. You should think about any changes to your situation that might occur during the term of the loan, which could impact on your finances - e.g. retirement, moving home, changing jobs, or any health issues which could affect your income or expenditure.

Alongside the finance calculator and on some of our promotional banners, you will also see the representative example.

The representative example shows the finance information that we expect to apply to more than half of accepted applications for the specific amount and repayment term.

As we mentioned earlier, the representative example is not a quote or formal offer of finance - we display this to help you understand how much a loan will cost, and so you can compare it with other products.

Whilst these numbers are there to help you understand what a loan will cost you, it’s important that you understand any other potential costs in the terms and conditions of the finance option you select. For instance, you may be charged missed or late payment fees if you don’t keep up with your payments.

Our finance provider – Omni Capital Retail Finance

You’re in safe hands with our finance provider, Omni Capital Retail Finance. Omni was founded in 2009, is part of Castle Trust Group, and is one of the UK’s leading finance specialists. It is authorised and regulated by the Financial Conduct Authority (reference number 720279).

Paying with finance

The process for making your purchase using finance couldn’t be easier. Simply:

• Place the item (or items) in your basket
• Choose your payment plan
• Complete the application
• Wait for your order to arrive

FAQs

Applying for a loan: Am I eligible to apply for finance?

You are may be eligible to apply for finance if you:

• Are at least 18 years old.
• Have a gross annual income each year of more than £5,000.
• Are a permanent UK resident and have lived in the UK for at least 3 years.
• Have a UK bank account capable of accepting Direct Debits.
• Are not currently bankrupt, subject to an Individual Voluntary Agreement (IVA), or have any country Court Judgements (CCJs).
• Provide an email address so your documentation can be emailed to you.

Will a credit search be registered against me if I apply?

Omni will perform a 'soft' credit search on your credit file as part of their assessment, to determine whether the loan is affordable for you and if you are likely to make your repayments on time.

It’s important to know that an application for credit will only result in a ‘soft’ search on your credit file until the point your application for finance is complete, at which point a 'hard' credit check will be recorded on your credit file. Only you can see that a 'soft' search has been made on your credit file, but a 'hard' credit check will be visible to others viewing your credit file, for example, if you apply for credit in the future, the lender will see that an application credit search was made on your credit file.

What happens after I have submitted my application?

Your application will be assessed based on eligibility, credit history and affordability and Omni will let you know the outcome in just a few seconds. Your application may be referred to a lender for manual assessment and you may receive a request for additional information to support your application.

What happens if my application is accepted?

Once your application is accepted you will be prompted to review and sign your credit documentation. This documentation will detail all the important information about your loan and should be read carefully.

What happens if my application is referred to an Underwriter?

You will receive a response from the Underwriter within 20 minutes of the application being referred during normal working hours. This can either be an accept, decline or a request for more information. If more information is requested, you will receive an email detailing the information required. If you have any questions, you can contact the Underwriting Team at underwriting@ocrf.co.uk.

What happens if my application is declined?

If your application was declined, Omni may be unable to give you specific reasons why. Omni use information from your credit report, alongside your income and expenditure data to make a lending decision. You will receive an email which will provide further details of the Credit Reference Agencies and contact information for any queries you may have.

Managing my loan: When do my monthly repayments start?

After your goods or services have been provided your loan will be activated. Your first Direct Debit payment will be taken approximately 30 days after you receive your welcome email from Omni. This will show on your statement as a payment to Omni.

You can request to change your monthly payment date after the first payment has been made by contacting Omni and speaking to their customer services team on 0333 240 8317. You will also be registered for their Customer Self Service portal, where you will be able to change the payment date yourself.

How can I contact the lender to discuss my loan?

There are three ways to contact Omni:

• Through the Customer Self Service Portal.
• By email at customerenquiries@ocrf.co.uk
• By telephone on 0333 240 8317.

Are there any fees for repaying my loan early?

There may be a fee for early repayment depending on the type of loan. Your Credit Agreement will detail the applicable fees for your product.

Can I cancel my finance agreement?

You have 14 days to cancel your credit agreement, please note that to cancel your goods and services you will need to speak to us directly. Cancelling your finance agreement with Omni without cancelling the goods and services will mean payment for the goods and services will still be required.

If I need to make a complaint, who do I contact?
If you are unhappy with the level of service Omni have provided or anything Omni have done, you can let them know in the following ways:

• By telephone on 0333 240 8317.
• Email: complaints@ocrf.co.uk.
• By Post: Complaints, Omni Capital Retail Finance Ltd, Customer Services, PO Box 6990, Basingstoke, Hampshire, RG24 4HX.

Financial Difficulties: Who do I speak to if I want to discuss my loan, or I’m having trouble with my repayments?

Information about how Omni can support you if you miss a repayment can be found on their website: https://omnicapitalretailfinance.co.uk/money-worries/

Use of personal data

To process your application, you will be asked to provide information about your personal, employment and financial situation. Omni Capital Retail Finance Limited will use your data to determine your finance offer. They will also perform a search with one or more Credit Reference Agencies to conduct checks for creditworthiness and any affordability assessments to help them make their decision.

You can find out more about how Omni Capital Retail Finance Limited uses and protect your personal data at www.omnicapitalretailfinance.co.uk/privacy-policy.

Omni Capital Retail Finance Limited will provide you with a copy of their Privacy Policy with your loan documents.

Financial Disclosure

Park Cameras Limited is registered in England and Wales with company number 1449928. Registered address: York Road, Victoria Business Park, Burgess Hill, West Sussex, RH15 9TT. Terms and Conditions can be found at Park Cameras T&Cs. Park Cameras Limited acts as a credit broker and offers credit products exclusively from Omni Capital Retail Finance. Park Cameras Limited is authorised and regulated by the Financial Conduct Authority, registration number: FRN 680161. 

Finance is provided by Omni Capital Retail Finance Ltd which is a credit provider/lender. Park Cameras Limited does not receive payment for introducing customers to Omni Capital Retail Finance.

Omni Capital Retail Finance Ltd finance options are subject to individual status, and terms and conditions apply. Your application will be subject to a credit check using a recognised credit reference agency as part of our assessment process. You can find Omni Capital Retail Finance's Terms and Conditions at www.omnicapitalretailfinance.co.uk.

Omni Capital Retail Finance Ltd is registered in England and Wales with company number 7232938. Registered address: 10 Norwich Street, London, EC4A 1BD. Authorised and regulated by the Financial Conduct Authority, Firm Reference Number: 720279.