Quick Applications, Decisions in Seconds

  • To apply please send an email to sales@scossa.co.uk a link will be emailed to you make an loan application.
  • You will be taken through a simple application form which is guided clearly through the pre-contract explanation before digitally signing the application with an ‘eSignature’.
  • Once submitted a decision is usually returned within 10 seconds.
  • After approval the deposit can be paid and goods ordered the same day. All relevant documentation will be forwarded to the applicant by email.

Omni Capital Finance gives you flexibility and control, letting you choose a monthly repayment amount or loan length of between 6 to 36 months available on orders of £1,250 up to £15,000

The example below is based on a typical purchase using our Interest Free Credit.



Deposit: £139.90

Total Amount Of Credit : £1,259.10

Agreement Length: 18 Months

Annual Rate Of Interest: 0% P.A

Representative APR 0% APR

18 x Monthly Payments: £69.95

Total Amount Repayable: £1,259.10

* Interest Free Credit is subject to application and status. Scossa act as a credit broker and not the lender.

We are unable to apply any savings or discounts to any orders placed using our finance option. Finance is not available on promotional items. 

Payment Terms

When choosing to pay by finance, 90% of your order total will be passed to Omni Retail Finance to calculate your payment terms and monthly payment. To prevent fraud, 10% of the order value will be held by Scossa as a deposit of your payment.

Following a successful application, a designated member of our Customer Services team will contact you to process payment of your deposit via a credit or debit card. Once we have received your deposit, we will begin processing the order for delivery within the given lead time.


To be eligible to apply you must be at least 18 years of age and under 75 years of age
be either: in full time employment (i.e. 16 hours, or more, per week); or self-employed; or retired and over 50 years of age; or in receipt of an invalidity or disability allowance
Be a UK resident
Be able to make repayments by direct debit
Provide your previous address if you have lived at your current address for less than 3 years


Please be aware that any purchase using finance must be delivered to the applicant's home address. This is a legal requirement when a finance contract is in place - it helps protect customers from fraud and identity theft.

We are here to help so if you experience any problems please do not hesitate to contact us on 01772 713434 or email us at sales@scossa.co.uk

If your application is unsuccessful your order will automatically be cancelled. You can still purchase the item in full via PayPal or with a valid credit or debit card. If you wish to reapply please call us on 01772 713434 or email us at sales@scossa.co.uk

Omni Capital Retail Finance is authorised and regulated by the Financial Conduct Authority (Financial Services Register number: 720279). Registered in England. Registered No. 07232938. Registered office: 10 Norwich Street, London, England, EC4A 1BD. If your application is successful you will enter into a Credit Agreement with Finance. Omni Capital Retail Finance.

Helen Stevenson and Lee Stevenson Trading as Scossa are authorised by the Financial Conduct Authority (Financial Services Register number: 703495)

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