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Learn more about flexible finance

Representative Example Payments

Representative 9.9% APR
Purchase Price
£ 899.00
Rate of Interest Per Annum
£ 100.00
Loan Amount
£ 799.00
Option 1 : 12 Months Finance
12 Monthly Repayments
£ 70.05
Total Amount Repayable
£ 840.61
Option 2 : 24 Months Finance
24 Monthly Repayments
£ 36.67
Total Amount Repayable
£ 880.26
Option 3 : 36 Months Finance
36 Monthly Repayments
£ 26.68
Total Amount Repayable
£ 921.10
Option 4 : 48 Months Finance
48 Monthly Repayments
£ 20.06
Total Amount Repayable
£ 1083.11


What is flexible finance?

Flexible finance is a credit agreement made between you and a lender we partnered with us, which allows you to buy your security products with flexible monthly payments for up to 4 years.

What is the minimum deposit payable?

Minimum £100 or 10% of total order value. Once you choose the product and decide of any extra accessories, you will be expected to apply for your finance and once it is approved, you can pay your deposit online or over phone and book your fitting.

How do I choose to pay by Finance?

Just select the finance option on the website or let the team members know if you're buying over phone.

When do my repayments start?

Your monthly repayments will begin one month after your burglar alarm system is installed.

How are the repayments made? ?

All repayments will be paid by monthly direct debit payments.

Am I eligible for finance?

There are some eligibility criteria to be met. Please check here for details. (link to eligibility criteria contents).

I am renting and want an alarm fitted, can I get finance?

Once you choose the product and decide on any extra accessories, you can either choose to pay full amount of apply for finance. If you opt to go for finance, you will be expected to apply for your finance. A finance application takes a couple of minutes and get normally approved within seconds. Once it is approved, you can pay your deposit online or over phone and book your fitting. If you prefer to pay full amount instead, you can order your full kit online or book the job with deposit payment online or over phone. Any balance payment due can be paid on completion of job.

I am renting and want an alarm fitted, can I get finance?

That should not be a problem, if you meet the eligibility criteria. Please check here for details (link to eligibility criteria contents). And if you move, we can even help you take your alarm to your new house. Additional removal and fitting charges apply.

What is APR?

Annual percentage Rate (APR) is the interest rate applied to your finance. Essentially, it’s the yearly cost of your borrowing – you’ll pay this on top of the sum you applied for. If you take out a long-term loan, the total amount payable will be more as you’ll be paying interest for a longer amount of time

How quickly can I get a finance approved?

Most finance applications are approved within seconds of completing the application. In some cases, the lender may need to look into your application in more detail and will return the decision as 'referred'. If this is the case, you will receive an email with further instructions once the Credit Underwriting Team have made a decision. The Credit Underwriting Department hours are between 8am and 8pm, Monday to Friday 9am and 6pm on Saturdays and Sundays. If your application is referred outside of these hours, then you may have to wait until the next working day for the decision

Will your credit score me and if so, what does this mean?

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. This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.

If you decline my application, what is the reason?

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. Though we are unable to provide you with a main reason for decline of your application, it is usually based on one, or a combination of the following:

Your credit score (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

If my application is not successful, can I re-apply?

yes. We acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that we'll automatically turn down a further request. We do suggest however, that you leave at least 6 months between applications.

Is it cheaper to buy an alarm on finance or cash?

It will almost always be cheaper to buy an alarm with cash, and you should always make sure you add on your APR when calculating the cost of a burglar alarm finance deal.

Aside from APR are there any other hidden costs when taking out burglar alarm finance?

There are no hidden extras for our services - what you see will be what you’re paying. Please note, your alarm may require ongoing maintenance and servicing including replacing batteries. Your burglar alarm may require professional attention before you finish paying off your alarm finance. Any future services and support outside our warranty period will be chargeable. You can also opt to have annual maintenance with extended warranty, fully protected by us for a small fixed ongoing cost. Details are here: Extended Warrany.

Can you offer finance on alarm services and repair visits?

Unfortunately, not. These services are payable either at the time of service visit or by monthly direct debit payments to cover ongoing maintenances.

Should you be encouraging people to take out alarm finance?

Finance is a great way to work out what you can afford and pay a fixed rate each month - unlike mortgage and credit card products, the rate is fixed and not variable. This option gives people with a stretched income more options. By making our comparison tool as quick and easy to use with the actual amount you will be paying onsite, the customer will know instantly if they can afford the repayment

Terms & Condition

Finance Terms and Conditions

Credit is subject to status. Terms and conditions apply. Loans available to permanent UK residents aged 18 and over. Eligibility and conditions apply. Fitted Home Alarms Limited acts as a credit broker and only offers credit products from Omni Capital Retail Finance Limited. Fitted Home Alarms Limited is authorised and regulated by the Financial Conduct Authority. Our registered number is 810371.

Finance is available on specified orders with a minimum loan amount of £299 and is subject to your status, please note that acceptance for finance is not guaranteed; see Eligibility for Finance. Finance is provided through our external partner, Omni Capital Retail Finance Limited. If your application is successful you will enter into a Credit Agreement with Omni Capital Retail Finance Limited.

Omni Capital Retail Finance Limited is authorised and regulated by the Financial Conduct Authority. Fitted Home Alarms Limited is authorised and regulated by the Financial Conduct Authority. Our registered number is 810371.

Eligibility for Finance

You'll need to be:

18 years or older.

A UK resident for 3 years or more/ Permanent UK resident.

Able to make regular repayments by Direct Debit.

Minimum annual income of £5000*

No bankruptcy


Have a debit card or credit card in your name and registered to your address and have a bank or building society current account.

ther conditions may apply and we cannot guarantee that your application will be accepted.

*If you are retired and receive a pension, or registered disabled and unable to work, Omni Capital Retail Finance Limited may ask for proof of income.

When your application is successful, you'll be asked to make the deposit payment before your fitting appointment is confirmed.

If your application is declined

If your application isn't successful, you can still proceed with your order with a full upfront payment or with a deposit payment and balance payment on completion of the work on the day of installation with our engineers. Our engineers can collect debit and credit card payments, cheque and cash payments.

If your application is declined, it may be for one of the following reasons:

you do not meet the eligibility criteria;

adverse credit reference agency information;

your credit score;

you are considered to be overcommitted financially; or your existing account performance with other lenders.

If you wish to appeal the decision made by Omni Capital Retail Finance Limited, it's advised you obtain an up to date copy of your credit report before appealing directly to Omni Capital Retail Finance Limited. Should you cancel your credit agreement and have already received products and services from us, then you will be liable to pay us in full for the product (unless your cancellation rights apply).

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