Paying for your course in monthly instalments
What you need to know
Used responsibly, finance is a great way to spread the cost of your purchase. We’ve 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 – the online application process only takes a couple of minutes to complete, and you will receive confirmation of whether your application has been successful, or referred for further consideration, instantly.
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 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).
To spread the cost of your purchase, simply call our Course Advice Team on 0800 389 2839 to find a finance option that suits you. The application form is quick and simple and includes help text throughout to assist you.
Please be aware that finance options are a form of credit. If you fail to maintain your payments, your lender could ask a debt collector to contact you or commence legal action to recover the money you owe. A poor repayment record will affect your credit file.
Representative example, for GCSE Maths 6 month plan:
Course fee: £449
Minimum 10% deposit: £44.90
Amount of credit: £404.10
Monthly payment: £67.35
Duration of agreement: 6 months
Total repayable: £449
Cost of Credit: £0.00
Rate of interest: 0% (fixed)
0% APR representative.
Representative example, for GCSE Maths 12 month plan:
Course fee: £449
Minimum 10% deposit: £44.90
Amount of credit: £404.10
Monthly payment: £33.68
Duration of agreement: 12 months
Total repayable: £449
Cost of Credit: £0.00
Rate of interest: 0% (fixed)
0% APR representative.
Available Finance options
We offer a range of interest-free finance options to help you spread the cost of your purchase over 6 or 12 months. The value of the loan needs to be over £250 and you can choose a deposit of 10% (or more) of the value of the goods.
You can be considered for finance if you:
· Are at least 18 years old
· Have a gross annual income of at least £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
· Have a good credit history with no late payments, Debt Relief Orders, County Court Judgments or bankruptcies
· Meet any other Omni criteria
Please remember that your application for finance isn’t guaranteed to be accepted, and that all applications are subject to status.
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 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.
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. www.omnicapitalretailfinance.co.uk
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/
How do I make my monthly payments?
Your lender will help you set up convenient, pre-authorized payments via your bank account or your credit/debit card.
Can I request delivery to an address other than my home address?
In order to safeguard against fraudulent applications, we are only able to deliver goods to your home address.
I want to amend my order.
If you have been approved for finance, the amount or term cannot be amended. You will need to contact us (your retailer) to amend the goods or services you ordered and you may need to complete a new application for finance. Please note we cannot guarantee a new credit application will be approved.
I haven’t received my goods or service.
Please contact us at info@nec.ac.uk and we will help you.
I want to change my Direct Debit details.
Changing your payment date can only be done once the first payment has been taken. Please contact your lender to talk to them about updating your Direct Debit details. The Direct Debit must not be cancelled and must remain in place throughout the agreement.
Are there any fees or charges to pay?
There is no fee for processing your application, and Omni does not charge you for its credit broking services.
Fees will be payable to your lender if you fail to maintain your repayments. Fees and charges may include late payment fees and administration/letter fees if you are issued an arrears or default notice. Full details of all fees and charges will be set out in the terms of your credit agreement. The Direct Debit must not be cancelled and must remain in place throughout the agreement.
I want to return my goods and cancel my finance agreement.
Please see our refund and cancellation policy on our Enrolment Terms and Conditions page.
Where you do have the right to cancel, you must do this within 14 days of entering into the finance agreement.
To cancel your finance agreement (this is only possible within 14 days of entering into the finance agreement), please email info@nec.ac.uk. Once we have confirmed cancellation, we will advise your lender to cancel your finance agreement and refund any payments that have been made. Your finance agreement can only be cancelled by your lender if this is agreed by us, and is within 14 days of the order.
What happens to my loan if I want to return my order?
If you are not satisfied with your purchase you can cancel it up to 14 days after enrolment. In this case, we will notify your lender to reduce your loan amount accordingly. You will receive confirmation from your lender within 3-5 business days where a full refund is processed.
Use of Your 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 protects your personal data at https://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.
Legal information (FCA Disclaimer)
The National Extension College (NEC) is a trading name of The Open School Trust and is a credit broker, not a lender and is authorised and regulated by the Financial Conduct Authority (FRN 676788).
Finance is provided by Omni Capital Retail Finance Ltd which is a credit provider/lender. NEC does not receive payment for introducing customers to Omni Capital Retail Finance. Omni Capital Retail Finance options are subject to individual status, and terms and conditions apply.
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.
Special offers
As an education charity dedicated to helping independent learners to achieve life-changing qualifications, NEC wants to keep fees affordable. To keep our course fees as low as possible and ensure that they are affordable for individual students, who are often paying their own fees, we set course fees on a cost recovery basis. Any surplus we make is reinvested in improving the quality of our courses and developing our student support services.
Although our courses cost more than some other providers’, it’s important to be aware that we offer far more student support and higher quality learning resources than many of our competitors.
As a result, NEC’s fees for GCSEs and A levels offer some of the best value on the market, with multi-buy options, seasonal special offers, personal discounts, and affordable finance options.
Because we have so much experience, and are dedicated to helping our learners succeed, we also offer a much higher level of study support than many other online distance learning providers, providing real value for money.
On this page you’ll find information about any discounts and special offers we are currently running to help you save money on the cost of your learning.
As part of NEC’s mission to widen participation our team is happy to discuss payment options unavailable online. Please contact our team on 0800 389 2839 or email info@nec.ac.uk
For some courses, we offer discounts if you enrol on two or more courses together. The following multi-buy offers are available online and over the telephone. Please note: you must enter the corresponding voucher code at checkout to redeem your discount when purchasing online.
Multi-buy GCSEs:
Purchasing more than one GCSE or IGCSE? Use voucher code GCSEMB10 to receive a 10% off at checkout.
Multi-buy A levels:
Purchasing more than one A level? Use voucher code ALMB10 to receive 10% off at checkout.
Multi-buy Structured Fast Track A levels:
- 10% off 2 Structured Fast Track Courses (online enter code: SFTMB2)
- 15% off 3 or more Structured Fast Track Courses (online enter code: SFTMB3)
Members of the armed forces can take advantage of the Standard Learning Credit (SLC) scheme: see the “Sources of financial help” section.
The TOTUM PRO card is available to current active students aged 16 or over, studying full or part-time in Further or Higher Education. The TOTUM PRO card replaces the NUS extra card but works exactly the same. It gives card holders access to a huge variety of special offers and discounts that help you save while you study. For further information about TOTUM PRO, including a full list of the deals and discounts they have on offer, visit the Totum website.
Ask about TOTUM PRO when you enrol, or, if you are already studying with us, please email our student support team.
From time to time we have special offers to help you save money on the cost of your studies. We’ll share details of these here.
NEC exclusive voucher code discounts
From time to time NEC may provide an exclusive discount voucher code to redeem either online enrolment or by speaking to our Student Recruitment Team on 0800 389 2839.
Full terms and conditions:
- Offer does not include any forthcoming courses.
- Offer only applied to course/s and not additional fees or services.
- Offer is only redeemable when payment is made in full and cannot be used in conjunction with any other discounts/offers or finance options currently available through NEC.
- Offer redeemable via enrolment by telephone or through online payment using the discount voucher code provided.
- Offers are applied at the point of enrolment and not retrospectively.
- Offer only applies to private individuals; Offer not available to schools, businesses or organisations.
- We may, at any time, and at our sole discretion, modify these Terms and Conditions with or without notice to the User. Any such modification will be effective immediately upon public posting. Your continued use of our Service and this Site following any such modification constitutes your acceptance of these modified Terms.
Distance learning really can change lives. You can give a friend or relative the opportunity to learn something new by covering or contributing towards the cost of any course in our catalogue with an NEC gift voucher.
Gift vouchers are available in denominations of £25, £50 or £100.
Each year, NEC helps thousands of people get back into education and gain that a potentially life-changing qualification. With one of our gift vouchers, you can help someone towards that all-important course.
To find out more about our gift vouchers, call our course advisers on 0800 389 2839, or email us at info@nec.ac.uk.
Terms and conditions
The following terms and conditions apply to NEC gift vouchers:
- Gift vouchers can only be purchased for NEC’s distance learning courses, and are not available for purchase towards teacher and trainer resources
- Gift vouchers must be redeemed within 12 months of purchase
- Gift vouchers cannot be exchanged for cash or used to pay outstanding balances
- NEC reserves the right to amend the terms and conditions of the gift vouchers at any time.
Personal discounts for...
If you are educating your children at home, you might be interested in the multi-buy offer.
This is extended to all the family enrolling at the same time, whether that be siblings or parent and child. Please call our course advice team on 0800 389 2839 to discuss your particular needs.
Click here to find out more about our new under 18’s service.
Thanks to a long-standing agreement between NEC and unionlearn, trade unionists are entitled to a 10% discount on the cost of our courses. If you’re a member of a trade union, simply let us know when you enrol and we’ll reduce the cost of your course accordingly.
- 10% discount only applied when paying in full.
- Offer can not be used in conjunction with any other offer.
NEC is pleased to offer a 10% discount on all its online distance learning courses to Open University members of staff and their families, students and alumni. Just call to enrol.
- 10% discount only applied when paying in full.
- Offer can not be used in conjunction with any other offer.
- Offer can be used by the same individual more than once.
- NEC has the right to ask for proof of the purchaser’s current or previous study or employment with the Open University. Examples of proof could be your OU student number.
In support and recognition of the vital work NHS members of staff perform. NEC is pleased to offer a 10% discount on all online distance learning courses to NHS workers during this time. Speak with a member of our Course Advice Team on 0800 389 2839 to enrol.
- 10% discount only applied when paying in full.
- Offer can not be used in conjunction with any other offer.
- Offer excludes GCSE Double Science, A level Further Maths and A level History of Art.
- NEC has the right to ask for proof of the purchaser’s current employment at an NHS organisation. NEC reserves the right to decline the offer if sufficient evidence is not provided.
- NEC reserve the right to change the terms and conditions of this offer at any time.
Existing and returning NEC students can get 10% off NEC courses. Contact our Course Advice Team for more information.
- 10% discount only applied when paying in full.
- Offer can not be used in conjunction with any other offer.
- NEC reserve the right to change the terms and conditions of this offer at any time.
Help with funding your NEC course
Depending on your own circumstances (and sometime your location), there are a number of possibilities for getting help to fund your online distance learning course.
The information here is not an exhaustive list but we hope it gives you an idea of where you could start to look for financial assistance. You could also consider approaching local community groups or charities specific to your own circumstances (such as ‘Help for Heroes’ if you are a former member of the Armed Forces).
If you are having financial hardship, you may be able to get help toward the cost of your course. Turn2Us have an online search tool which will search for available grants based on your personal circumstances and location.
Grants of up to £300 are available from Carers Trust towards the cost of funding for courses and materials that will develop carers’ skills.
Awards of up to £750 toward education costs are available from The Hardman Trust for people who have previously been in Prison.
The Prisoners’ Education Trust provides grants to prisoners who wish to improve their future by studying through distance learning while in prison.
If you’re homeschooling your child and looking for funding, we recommend speaking to your Local Authority. Depending on your location and personal circumstances, they may be able to assist you.
If you are looking to do a level 2 qualification (such as a GCSE) you may be able to get help through the Standard Learning Credits scheme.
We are members of the Armed Forces Covenant.
If you’re aged between 14 and 25, you may be able to get support from The Prince’s Trust Development Awards. Awards of up to £500 are available for courses up to level 3, subject to your personal circumstances.
If you are employed and want to study an NEC course to help you improve in your current job or prepare for a promotion, we suggest asking your employer if they are able to help you with the cost of studying. Some organisations have schemes to help employees in this way. We recommend presenting your employer with information about the course and how it will help you to become better in your role.
If you’re still not sure whether you’ll be able to afford the cost of studying with us, the following services might be able to offer further advice:
- Local library
- National Careers Service
- Citizens Advice Bureaux
- Jobcentre Plus
- Local educational authorities
- Trade unions (if you are a member).
Additional costs of completing your NEC course
The majority of our courses are entirely self-contained, however for some courses there may be additional costs to bear in mind which are not included in the course fee.
Wherever possible, we have developed our courses in such a way that everything you need is included in the course materials we provide. However, in some cases you will need to acquire one or more texts that the course materials will refer to. For example, A level English Literature will require some books that you’ll read as part of your course.
If your course requires any additional resources they will be listed on the course information page for that subject, under ‘Set texts and resources’, so you can see what you’ll need before you enrol.
If your course leads to a qualification for which you have to sit exams, such as for A levels and GCSEs, exam fees are not included in your course fee. Your exam fees will need to be paid to the exam centre where you will sit your exams. Every awarding body charges a subject entry fee to each exam centre for every unit entered, which the exam centre then passes on to students. These fees vary from subject to subject and between different exam centres.
If you’re registering for your exams at one of our partnership exam centres, our student support team will arrange this for you and tell you how much the registration fee will be. If you’re sitting your exams elsewhere, you’ll need to speak to the centre’s examinations officer to find out the exact costs.
If your course leads to a vocational qualification you will probably need to register with the awarding body to become a member before you can sit the exam or be assessed (for example: registering with CMI for a management course). This fee may be an annual charge. Any relevant information will be given on the specific course information page.
Optional extra services
To help you get the best results from your study, we offer a range additional services that can be purchased separately.
You can choose to add a past paper to be marked. Our A level and AS level courses include one past paper as standard, so if you’d like more to be marked, then this service would be useful.
The fee is £40.
If you’d like help to plan and manage your revision timetable before taking your exams, you can choose either a one hour or 30 minute tutorial, designed to help you to structure your revision. The session will be tailored to your individual needs and led by the tutor.
Revision tutorials cost £45 for 30 minutes or £60 for one hour.
As with the above, you can choose the duration and this will be useful if there is a particular area that requires additional attention. You can choose the subject of the tutorial.
Optional tutorials cost £45 for 30 minutes or £60 for one hour.
An additional review can be provided on your progress to date.
The fee for a Review is £40.
NEC offers two services to support you in your UCAS Application.
- Predicted Grades and References
- Personal Statement review
PREDICTED GRADES AND REFERENCES
You can choose from:
- Predicted grades and reference (£60)
- Official confirmation of predicted grades (£20)
Predicted grades are a key part of the UCAS application process. They reflect the grade of qualification that your tutor believes you are likely to achieve in positive circumstances, which is then used by universities and colleges as an indicator of your academic ability and suitability for higher education.
NEC can only provide you with predicted grades for the course or courses you study with us once you have completed 50% of your course assignments, not including your Introductory Assignment. This requirement is because your tutor needs to have seen enough evidence of your usual way of working to base a predicted grade or academic comment on.
Please be aware that, for 2025 entry to university, the deadline to submit assignment work is by 15th September 2024 for 15th October 2024 UCAS deadline, and by 15th December 2024 for 29th January 2025 UCAS deadline.
NEC can also provide a reference. The UCAS reference has 3 distinct sections:
Section 1: establishment details – a general statement about NEC (mandatory)
Section 2: any information about extenuating circumstances which may affect an applicant’s performance in examinations or other assessments (optional)
Section 3: any other supportive information specific to the applicant that universities/colleges should be aware of (optional)
Extenuating circumstances
NEC is able to comment on the non-standard educational route of distance learning and we may be able to acknowledge information you have provided to NEC either on the ‘More About You’ form completed at enrolment or via our Pastoral service.
Supportive Information
NEC may be able to include relevant academic comments from your tutors in Section 3 – Supportive Information. We are not able to request comments from your tutors until you have completed a minimum of 50% of your course assignments (as for predicted grades).
Please note that due to the nature of distance learning, NEC is unable to comment on work experience or extracurricular activities.
Once you have enrolled for this service, if NEC is providing all of your predicted grades and acting as your referee then you can opt to use NEC as your UCAS centre. We can provide you with our buzzword. Alternatively, we can email your predicted grade(s) and/or reference to an external referee of your choosing to be incorporated into their reference, or send this directly to your university.
PERSONAL STATEMENT REVIEW (£45)
The Personal Statement is the section of the UCAS application form where you tell the Admissions Tutors of your chosen universities about yourself and why you want to study the course you are applying to. You have an upper limit of 4,000 characters or 47 lines of text (including spaces and blank lines) to do this. The same Personal Statement will be sent to all of the different universities and courses you are applying to, so we have found this can be a challenging task for a lot of students.
NEC’s Personal Statement Review is a chance for you to gain additional support by submitting a draft of your Personal Statement to one of our experienced tutors for feedback. As far as possible, we will try to match you with one of our tutors who has a background in the area you want to study.
Ways to find more information:
Pre-enrolment: Contact our Course Advice Team at info@nec.ac.uk or give them a call at 0800 389 2839.
After you enrol: Have a look at our Applying to University area on learn@nec, your learning platform, for more detailed guidance. You can also find our UCAS services request form here, once you’re ready.
If you are considering applying to university, please have a look at the UCAS website in good time. UCAS provides a lot of resources to support you in making your application, including key dates you need to be aware of, specific course information and how to apply. NEC is not able to provide support about any entry requirements you will need to meet.