Finance Options
Getting the new watch or jewellery of your dreams is now even easier with our easy-to-apply for finance options.
Whether you’re looking for the watch of a lifetime, the engagement ring of your dreams or this season’s hottest trend, we’ve got a range of finance options can that help you spread the cost.
Our Finance Providers
Beaverbrooks’ finance is provided by PayPal Credit with 0% interest free credit on purchases between £99 and £349, and V12 finance who provide 0% interest free credit on purchases over £349.
 |  | |
|---|---|---|
| Minimum Spend | £349 | £99 |
| Available Credit Terms | Orders over £350: 6, 9 or 12 months. Orders over £750: 6, 9, 12, 18, 24, 30 or 36 or 48 months. | Enjoy 4 months interest-free. You can choose to spread the cost of your purchase over a longer period at the standard 19.9% APR. |
| APR | 0% on most purchases. 9.9% APR on items where the full range of 0% credit options are not available, e.g. Sale items, Pre-Owned & Smartwatches | 0% for first 4 months. 19.9% APR for any balance remaining after 4 months. |
| Deposit | 10% | No deposit required |
V12 finance enables us to offer you a wide range of finance options, helping you find the most affordable way to make your special purchases.
Up to 4 years 0% Interest Free Credit
The following Interest Free Credit payment terms are available, each of which requires a minimum deposit of 10%:
| Orders over | Payment term |
|---|---|
| £350 | 6, 9 or 12 months |
| £750 | 6, 9, 12, 18, 24, 30 or 36 or 48 months |
*Exclusions apply. Please see below
Buy Now, Pay Later | 0% Interest Free Credit
Defer your first payment for 3 months
Available on purchases over £750, our Deferred Interest Free Credit option is great for when you don’t want payments to start immediately.
Credit is offered interest-free for a total of 12 months, with a 10% deposit payable at time of purchase, and then nothing to pay for the first 3 months. You’ll then make 9 monthly Interest Free payments to clear your balance.
Up to 4 years 9.9% APR credit
There are certain items in our range, where interest free credit may be limited to shorter terms, such as 12 months or 24 months. Where this is the case, we are pleased to be able to offer you up to 4 years 9.9% APR credit with V12 Finance.
This credit option is available on the following items:
- Sale items over £750
- Smartwatches (including the TAG Heuer Connected) over £750
- Pre-Owned watches
Get an idea of what your V12 finance payments will look like with these examples:
| Up to 4 years 0% Interest Free Credit | ||
|---|---|---|
| Qualifying products | Purchases over £350* | |
| Purchase amount | £350.00 | |
| Finance term | 12 months | |
| Deposit | £35.00 | |
| Amount of credit | £315.00 | |
| Monthly repayment | £26.25 | |
| Interest rate (APR representative) | 0% | |
| Interest amount | £0.00 | |
| Total amount payable | £350.00 | |
| First payment occurs | After 1 month | |
| Deferred 0% Interest Free Credit | ||
|---|---|---|
| Qualifying products | Purchases over £750* | |
| Purchase amount | £750.00 | |
| Finance term | 9 months | |
| Deposit | £75.00 | |
| Amount of credit | £675.00 | |
| Monthly repayment | £75.00 | |
| Interest rate (APR representative) | 0% | |
| Interest amount | £0.00 | |
| Total amount payable | £750.00 | |
| First payment occurs | After 3 months | |
| Up to 4 years 9.9% APR credit | ||
|---|---|---|
| Qualifying products |
| |
| Purchase amount | £750.00 | |
| Finance term | 48 months | |
| Deposit | £75.00 | |
| Amount of credit | £675.00 | |
| Monthly repayment | £16.95 | |
| Interest rate (APR representative) | 9.9% | |
| Interest amount | £138.60 | |
| Total amount payable | £888.60 | |
| First payment occurs | After 1 month | |
*Exclusions apply
How to apply for V12 finance
Applying for V12 finance is quick and easy. The whole process takes just a few minutes and, in most cases, you will get an instant decision.
1. Shop
Look for the ‘finance calculator’ on items over £349. Select your preferred term and deposit, then add the item to your bag.
2. Apply
Ensure ‘Pay by Finance’ is selected in the Shopping Bag, then proceed to checkout and select your delivery option, after which you’ll be taken to the V12 site to complete your application.
3. Decision
You’ll normally get a decision within a few moments.
4. Enjoy
We’ll send your order to the address or collection point you selected during checkout.
If you choose to pay for your order using Interest Free Credit your order must be delivered to your billing address or to a Beaverbrooks store or Post Office using our Click & Collect service. Interest Free Credit is not available on orders delivered outside the UK.
Interest Free Credit you can use again and again
Giving you access to 0% Interest Free Credit on basket values of just £99, keeping in touch with the latest trend is now even more affordable.
Just spend between £99 and £349 and you’ll be offered to spread your payments interest-free for up to 4 months. As long as you meet the minimum required payments each month, it’s up to you how you spread your payments during the 4 month Interest Free period. You can also choose to pay for your purchase over a longer period at PayPal’s standard interest rate of 19.9% APR.
PayPal Credit is quick and easy to apply for; and the great thing is, every time you spend over £99 in one transaction, you’ll automatically get 4 months Interest Free Credit.
How to spread the cost with PayPal Credit
Applying for PayPal Credit is very easy. If your application is approved and you accept, your credit limit will be added to your PayPal account immediately.
Before you apply, please make sure you:
- Are a UK resident aged 18 years or older
- Have a good credit history
- Have not recently been declared bankrupt
- Be employed and have an income greater than £7,500 per year
1. Shop
Look for the PayPal Credit sign on items £99 and over. As long as your shopping bag is between £99 and £349, you’ll be offered PayPal Credit.
2. Select
‘Select PayPal Credit in the Bag and you’ll be redirected to PayPal to login to your account, or to register if you don’t have a PayPal account.
3. Decision
Complete the short form and you’ll get an instant decision.
4. Enjoy
We’ll send your order to the address or collection point you selected during checkout.
To find out more about PayPal Credit, read our Frequently Asked Questions.
Declined Applications
If your finance application is declined, please be aware that we are unable to provide any further information about this decision. If you have any questions, please contact the finance provider directly.
*Interest Free Credit Exclusions
- Interest Free Credit is available for a maximum of 24 months on sale items over £750.
- TAG Heuer Connected watches are only available on 12 months Interest Free Credit.
- Pre Owned Watches are only available on 12 months Interest Free Credit with a deposit of 30%.
Beaverbrooks acts as a credit broker, not a lender, and offers credit products from V12 Retail Finance and PayPal Credit.
Beaverbrooks is authorised and regulated by the Financial Conduct Authority under FRN 672561. Credit is subject to age and status.
Beaverbrooks is registered in England and Wales, company registration number 327713. Registered office: Adele House | Park Road | St Annes on Sea | FY8 1RE