Interest Free Credit

Interest Free Credit

At Beaverbrooks we can give you the option of spreading the cost of your purchase over a period that suits. With payment terms from 6 months to 4 years, interest free credit makes those bigger purchases much more affordable. We're also pleased to be able to offer flexible deposits from as little as 10%, so you can choose to make an upfront payment that you're comfortable with and then pay the rest over time.

Items over £350 are available over 6, 9 or 12 months, items over £750 have additional terms of 18, 24 or 36 months, items over £1,000 have an additional term of 48 months. Please note interest free credit is available for a maximum of 12 months Pre-Owned Watches with a deposit of 30%. Click here for full terms and conditions.

Interest free credit is available for a maximum of 24 months on diamond event items over £1,000.

Beaverbrooks the Jewellers act as a credit broker are authorised and regulated by the Financial Conduct Authority. Interest Free Credit is provided by Hitachi Capital consumer finance.

Completing an interest free credit application

Completing an application for Interest Free Credit is easy with our simple, secure checkout process.

Any order over £350 qualifies for interest free credit over 6, 9 or 12 months, any orders over £750 have additional terms of 18, 24,or 36 months, any order over £1,000 have an additional term of 48 months.

1. Use the finance calculator

First, use the Finance Calculator on the product page to help you work out which repayment term suits. You can choose to pay a fixed deposit percentage such as 10%, 20%, 30% etc. Or you can enter an amount of your choice and click ‘update’). You’ll then be shown loan terms that are available with your chosen deposit. (Please note: minimum loan amounts apply so the deposits available will vary. Minimum deposit is always 10%).

Finance Calculator
Use the Finance Calculator

2. Add to your bag

Add your chosen item(s) to your bag and click the ‘MY BAG’ icon in the top-right corner to go to your Shopping Bag.

Add to your Bag

3. Proceed to checkout

Once you are happy, click the button at the top or bottom right of the screen.

Proceed to Checkout

4. Enter Your Details

You will then be taken through to the checkout where you’ll need to enter some details about yourself. For returning customers, you can login at the top of the page with your email address and password. New customers will need to provide an email address. New customers will be able to create an account once further into the checkout process (this gives you the advantage of being able to login and check the status of your order).

The ‘shopping bag’ window to the right gives you confirmation of what is in your Shopping Bag.

Enter Your Details

5. Delivery & Billing Address

Providing your Delivery Method is the next requirement. As you wish to pay by Finance, your order must either be delivered to your billing address or to one of our Beaverbrooks stores. Finance applications with a different billing and delivery address will not be accepted. If you’re a returning customer your previous addresses will be available for you to select from your address book.

Delivery address must be the same as billing address

6. Setting your finance terms

Finally, you will be asked to choose the deposit and repayment term using the finance calculator. Click the the deposit percentage you wish to pay or enter an amount manually. Your monthly repayments will then be calculated below.

Once you are happy, click

Payment Method

7. Making your payment

Finally, you will be taken to the payment page, where you will be required to enter your card details. This is for payment of your deposit which will be authorised at the time of application and then charged when your order is despatched. In the ‘shopping bag’ summary at the right you will see confirmation of your order total, delivery charge, deposit payment to be paid on card and loan amount.

Make Payment

8. Applying for Finance

Once you have entered your card details, click the button. You will then be taken to our finance partner's website (Hitachi Capital Consumer Finance, Authorised and regulated by the Financial Conduct Authority) where you will need to complete your finance application.

Applying for Finance

Beaverbrooks the Jewellers Ltd are authorised and regulated by the Financial Conduct Authority.

We guarantee that your application will have been given full consideration through the credit scoring system. This system takes into account the information you provided on your completed application form, as well as information provided by a Credit Reference Agency.

Your application may have been declined either due to the score attributed to your application details, or the score from the Credit Reference Agency not meeting the minimum requirements.

As your application may have been declined due to information from a Credit Reference Agency, in accordance with section 26 of the Consumer Credit Act 1974, Hitachi Capital are required to notify you that the Agency consulted on your applications was:-

Experian Help Service
P.O. Box 8000

The Agency will be happy to provide you with a copy of your credit file if you write to them direct enclosing a £2.50 administration fee. If your application was declined due to the score attributed to your personal application details, the information you receive from the Agency may not show anything detrimental.

We understand that you may be unhappy with the decision and wish to discuss the matter further. Unfortunately, due to the Data Protection Act Hitachi Capital Consumer Finance (authorised and regulated by the Financial Conduct Authority) are unable to discuss this with you over the telephone. However, you can write to them at the address provided on the decision page of your decline letter and they will be happy to provide you with more information regarding the decision.

Please rest assured that the decision to decline your application is known only to yourself and Beaverbrooks and has not been disclosed to anyone outside the organisation.

As a member of the Finance and Leasing Association (FLA), Hitachi Capital (UK) PLC (authorised and regulated by the Financial Conduct Authority) follow the principles of the FLA's Code of Practice

Read the terms and conditions

Treating Customers Fairly

Interest Free Credit is offered exclusively by Hitachi Capital Consumer Finance who is authorised and regulated by the Financial Conduct Authority (FCA). All firms regulated by the FCA are required to support the FCA Sourcebook’s principle that a firm ‘must pay due regard to the interests of its customers and treat them fairly’.

Call free on 0800 169 2329

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