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 offer 0% interest free credit on purchases of £350 and over. This credit will either be provided by V12 Retail Finance, or by Hitachi Capital Consumer Finance.
We also offer Klarna as an interest free payment option; choose from either pay 30 days after delivery or pay in 3 equal instalments.
For existing PayPal customers, you can choose to pay with PayPal Credit and enjoy 0% interest free credit for 4 months on purchases over £99.
 or  |
 |
 |
|---|---|---|
| Minimum Spend | ||
| £350 | Pay later: £50 Pay in 3: £99 |
£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. |
Pay later (between £50 - £350): 30 days Pay in 3 (between £99 - £500): 3 months |
Enjoy 4 months interest-free. You can choose to spread the cost of your purchase over a longer period at the standard 21.9% 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% | 0% for first 4 months. 21.9% APR for any balance remaining after 4 months. |
| Deposit | ||
| HITACHI: No Deposit Required V12: 10% for purchases under £1,000 or £100 for any purchases over £1,000. |
Pay later: No deposit required Pay in 3: first of 3 instalments (33%) |
No deposit required |
or
The following Interest Free Credit payment terms are available. Credit is subject to status, T&Cs apply.
Up to 4 years 0% APR Interest Free Credit
The following Interest Free Credit payment terms are available. If V12 is the provider offered, each term requires a minimum deposit of 10%, or £100 if you’re spending over £1,000. If the provider offered is Hitachi, there is no deposit required.
| 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
Deferred 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, 24 or 30 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 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. Please note, Hitachi Capital Consumer Finance is only available online on items under £30,000. For items over £30,000, please contact our Customer Services team for free on 0800 169 2329.
How to apply for finance
Applying for V12 and Hitachi 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 the finance option is selected in the shopping bag, then proceed to checkout and select your delivery option, after which you’ll be taken to either the V12 or Hitachi 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.
Pay later with Klarna
Choose from two easy payment options; pay in 3 interest free instalments or pay 30 days after delivery.
There’s no interest, no fees and no credit agreement.
How to pay
1
Select ‘Pay later’ at checkout.
2
Place your order and pay 30 days later for the items you keep.
3
Klarna will send you payment instructions via email.
To find out more about Klarna, read our Frequently Asked Questions.
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 21.9% 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.
Representative Example:
- Representative 21.9% APR (variable)
- Purchase rate 21.9% p.a. (variable)
- Assumed Credit Limit £1,200
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
Add your chosen item(s) to your bag as normal, ensuring your order is over £99 if you want to qualify for 0% for 4 months with PayPal Credit.
2. Select
Select ‘I’ll Pay In Full’ in the Shopping Bag, proceed to checkout and on the payment page, select ‘PayPal including PayPal Credit’ as the payment option.
3. Decision
You’ll be redirected to PayPal to complete your application. For new PayPal customers, you will need to complete a short form in order to get a 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 30 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%.
Making A Complaint
We want you to have a fantastic experience every time you shop with us, and, like us, the finance partners we work with are committed to treating you fairly. If for any reason you aren’t happy with the service provided by us or them, please let us know. Read our complaints policy
Beaverbrooks acts as a credit broker, not a lender, and offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance, Hitachi Capital Consumer Finance, PayPal Credit and Klarna. Beaverbrooks is authorised and regulated by the Financial Conduct Authority under FRN 672561. Beaverbrooks may receive commission from the lender for certain finance products, such as credit provided at 9.9% APR. Beaverbrooks will not receive any commission for interest free credit. Credit is subject to age and status. Beaverbrooks is registered in England and Wales, company registration number 321773. Registered office: Adele House | Park Road | St Annes on Sea | FY8 1RE