Why should I purchase an Acer, HP, Toshiba, Dell or Lenovo Laptop from
Omni Laptops?

We are a certified laptop liquidation outlet, that helps people build their credit and get great discounted laptops and electronics.

What are the loan payment options on laptops?

We have affordable small bi-weekly payments or simply switch to
monthly at any time.

Do you have warranty on your laptops?

Absolutely, we have an affordable extended Laptop warranty option.

What kind of laptop computers can I pick?

We carry all major laptop brands including HP, Lenovo, Acer, Microsoft,
Dell, Asus and many others. We also carry new laptops, refurbished
laptops and open box laptops.

Why is my first payment higher?

This is not extra money that you are being charged. This money comes off of your loan and helps speed up shipping. It may also include extended warrantee if that is what you selected.

Are you doing a credit check?

In most cases there is no credit check. In some cases we may pull a credit report from Equifax or Transunion. Please ask your agent if you are
concerned about your credit score.

What is your return policy?

Products with damage or not working are easily returned and/or
replaced. We will also accept laptop returns for non-defective items,
however the customer is responsible for shipping and a restocking fee.

Will this help improve my credit score?

As long as you always make your payments on time you may see a great
increase to your credit score. In some cases you may see results on your
credit report almost immediately.

Where are your Laptops shipped from?

Depending on the Laptops it will be shipped from one of our Canadian
warehouses. And yes we offer Free Shipping.

Can I order more than one Laptop?

Yes absolutely.

I am on disability, can you help me get approved for a loan?

Absolutely we can, as long as you are willing to make your payments on

I have bad credit, can I still get approved?

Yes, we can definitely help you even with bad credit, fair credit or no
credit at all. This is a great way to rebuild good credit and improve your
credit score fast.

What is the term of the finance agreement?

One of the great benefits to our program is that you get to choose the
term. Our loans are fully open and can be paid out at anytime without
penalty. Many pay them out in one year but others choose to keep them
open so that they can increase their credit score faster.

How does the reporting work?

Our lenders report an I1 on your credit report monthly as long as you
make your payments on time. Making payments on time typically will
increase your credit score.

How fast will my credit score go up?

There are several different factors that impact how fast your credit score
will go up but ensuring your payments are on time is the best way to get
your credit score up as fast as possible. Many people see fast increases to their credit score on their credit report. Equifax and Transunion credit
score results may vary.

How do I apply for the easy financing or loans?

That is easy, any one of our agents can get you approved as soon as
possible. Our online loan application is fast and easy.

Do you sell anything other than computers?

Yes and we are adding new products for you and your home all the time.

Do I have to pick it up at a post office?

Standard shipping is free however, you have the option to choose express shipping and our extended warranty package.

How much is shipping?

We offer free shipping in Canada and you have the option to choose
express shipping and our extended warranty package. We use Fedex, UPS, Canada Post and Canpar for all of our shipping needs.

Can I pay monthly?

Absolutely, once your first payment has been made, we can go ahead and set you up on a monthly plan. We are always just a call away.

How fast do you ship the laptops?

With express shipping, we will ship within 5 business days of your 1 st
payment. Regular shipping can take up to 14 days from the date of your
1 st payment.

What is the total cost at the end of the term?

The total cost is calculated as soon as your application has been
completed and will show up on your agreement. Please make sure that
you review your loan agreement prior to signing.

What is the interest rate?

The interest rate is solely based on your credit. Our micro loan interest
rates start at 0% OAC and go to a maximum of 29.99% APR. We always
try to offer the lowest interest rates based on the specific scenarios at

Where do I use my gift card?

Your gift card will be applied during the application process upon
completion. In most cases this amount can be deducted off your final
balance when you are ready to pay out your micro-loan.

Do you have a store?

We are strictly e-commerce to save you money. We have eliminated the
middleman and eliminated needless commissions.

Do I have to provide my SIN#

Providing your social insurance number allows us to properly identify you
and protect you from potential identity theft, and fraud. We are required.

Should I take the extended warranty on my laptop purchase?

We all know that computers are great, but they simply don’t last forever.  Having the peace of mind knowing that you are covered will take away a ton of stress when it comes to laptops where we all know things can go wrong.  Check our warranty page and see what is covered by both the manufacturers warranty as well as the Laptop extended warranty program.

How long have you been in business?

We have been involved in finance and business operations for over 30

Do I have to use your financing or loans to buy a computer?

You are welcome to use your credit card, send an EMT or obtain your own loan elsewhere.  We are glad to help you with your laptop needs either way.

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