CONSUMER REVOLVING FOR LINE OF CREDIT

CONSUMER GENERAL PURPOSE REVOLVING LINE OF CREDIT

A revolving line of credit is a flexible financial tool that allows consumers to borrow funds up to a predetermined limit, repay, and borrow again as needed.

How It Works

Omni Credit is your go-to revolving line of credit, designed to provide financial flexibility for all your shopping needs.

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Receive the Link

Get a link via email or SMS from our valued merchant partners.

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Apply Online

Click the link to visit our application page and apply for Omni Credit.

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Verify Your ID

Provide your legal ID and phone number for verification.

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Get Pre-Qualified

Receive an SMS with a pre-qualification offer, review and accept the terms.

Why Choose Omni Credit?

Next-Day Funding

Our Flawless transaction process ensures that merchants receive next-day funding for all purchases. This rapid turnaround helps maintain cash flow and supports business operations without delays.

Universal Acceptance

Omni Credit is designed for versatility. Whether you’re shopping online or in-store, our credit solution is accepted across a wide range of industries, including food and beverage, retail, and more. Enjoy the freedom to make purchases wherever you need.

Age-Restricted Environment

We prioritize safety and compliance. By capturing legal IDs and phone numbers, Omni Credit operates efficiently in age-restricted environments. This ensures that all transactions are secure and meet regulatory requirements, giving both merchants and customers peace of mind.

Easy Access

Managing your Omni Credit account is simple and convenient. Your mobile phone number serves as your account number, allowing you to effortlessly track your spending, check your balance, and make payments. This user-friendly approach means you can handle your finances anytime, anywhere.

Our Three Programs

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Omni Credit Prime

(Bad Credit, No Credit)

  • Current government ID
  • No Credit Check
  • Debit Card (for repayment on line of credit amount)
  • Active Checking Account (for repayment on line of credit amount)
69%APR
Fees
  • Foreign Transaction Fee: 3%
  • Late Fee: $15
  • Overlimit Fee: $10
  • Overlimit Fee Penalty: 10% increase on APR
  • Return Item Fee: First Offense: $25, All Other Offenses: $35
Choose Plan
Omni Credit Gold

(Okay Credit)

  • Current government ID
  • No Credit Check
  • Debit Card (for repayment on line of credit amount)
  • Active Checking Account (for repayment on line of credit amount)
39%APR
Fees
  • Foreign Transaction Fee: 3%
  • Late Fee: $15
  • Overlimit Fee: $10
  • Overlimit Fee Penalty: 10% increase on APR
  • Return Item Fee: First Offense: $25, All Other Offenses: $35
Choose Plan
Omni Credit Platinum

(Good Credit)

  • Current government ID
  • No Credit Check
  • Debit Card (for repayment on line of credit amount)
  • Active Checking Account (for repayment on line of credit amount)
29.99%APR
Fees
  • Foreign Transaction Fee: 3%
  • Late Fee: $15
  • Overlimit Fee: $10
  • Overlimit Fee Penalty: 10% increase on APR
  • Return Item Fee: First Offense: $25, All Other Offenses: $35
Choose Plan
Basic Plan

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$25/ Year
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Choose Plan
Premium Plan

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$35/ Year
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Choose Plan
Business Plan

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$55/ Year
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Choose Plan