Rattan Interest Free Finance

Select the finance options at the checkout page on the website. If you’re ordering via phone, then the sales consultant will be able to add this on to your order.

To apply for online finance, you must be over the age of 18, have a gross annual income each year of more than £5,000, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 3 years or more.

Unfortunately, we are unable to offer online finance to residents of Ireland. Homemakers aren’t excluded from applying under their own names; however, the employment details of your spouse/partner will be required in order to process your application.

Your monthly repayments will begin 15 to 30 days after we deliver your purchase.

Your statement will show this as a payment to your lender. You have the right to repay all or part of the loan early at any time.

No. There are no arrangement fees or hidden extras.

Applying for online finance couldn’t be easier or more convenient. When you buy online from Rattan Direct Ltd you have the choice of applying for finance by adding your purchase to the shopping basket, selecting the finance option, and completing an online application form. Just follow the simple instructions, entering your personal details as required and we’ll do the rest.

The whole process only takes a few minutes and is simple and secure. Once Omni Capital Retail Finance approves your application, you will be advised on how to sign the finance agreement and will receive an email confirming these details.ls.

Please read the agreement carefully checking that all the details are correct, then either electronically sign the agreement or print and sign the agreement in both boxes. Post the signed agreement to the address shown on the covering letter of the agreement.

After we receive your finance agreement and complete a few additional checks, we will dispatch your goods.

Within minutes of approving your application, Omni Capital Retail Finance will present you with options to either e-sign or print and return your finance agreement.

If you choose to e-sign your agreement, a PDF of your agreement will be displayed on screen. You should read the agreement carefully before clicking all the relevant sections agreeing to its terms.

Once you agree to the terms of the finance agreement, Rattan Direct Ltd will receive a notification, and you won’t need to take any further action.

If you choose to print and return your agreement you should print the agreement, read it carefully and then sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the finance agreement.

Omni Capital Retail Finance must receive your completed and signed agreement before we allocate products to your order. We will ship your goods soon after receiving your signed agreement.

Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies.

Omni Capital Retail Finance provides consistent decisions to ensure fair treatment for all applicants. Credit scoring ensures no discrimination based on sex, race, religion, or disability.

• In addition to credit scoring, Omni Capital Retail Finance also takes into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though Omni Capital Retail Finance is unable to provide you with a main reason for the decline of your application, it is usually based on one, or a combination of the following:
• Your credit score (please note that every finance company will score you differently)
• Adverse credit reference agency information
• You are considered to be overcommitted
• You are aged under 18
• Your existing account performance with other lenders
• What type of information do credit reference 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.

Have an email address so your documentation can be emailed to you.

Yes. We acknowledge that circumstances change and just because a previous application has been refused, it does not mean that a further request will automatically be turned down. We do suggest however, that you leave at least 6 months between applications.

In order to safeguard against fraudulent applications, we regret that we’re able only to deliver goods to the home address of the applicant.