Interest Free Credit
Spread the cost of your purchase over a period that suits you, with payment terms from 6 months to 4 years and flexible deposits from just 10%.
Interest Free Credit
Purchases over £350 are available over 6, 9 or 12 months, purchases over £750 have additional terms of 18, 24, 36 or 48 months.
| Payment Term | Minimum Spend | Minimum Deposit | Minimum Loan Value |
|---|---|---|---|
| 6 Months | £350 | 10% | £315 |
| 9 Months | £350 | 10% | £315 |
| 12 Months | £350 | 10% | £315 |
| 18 Months | £750 | 10% | £675 |
| 24 Months | £750 | 10% | £675 |
| 30 Months | £750 | 10% | £675 |
| 36 Months | £750 | 10% | £675 |
| 48 Months | £750 | 10% | £675 |
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%.
If you would like to purchase any of the excluded items on a longer term, please contact our Customer Services team on 0800 169 2329 to discuss other finance options.
Completing An Interest Free Credit Application
- Applying Online
Paying With Interest Free Credit Online
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, 30, 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%).
2. Add To Your Bag
Add your chosen item(s) to your bag and click the ‘MY BAG’ icon in the bottom-left corner to go to your Shopping Bag.
3. Proceed To Checkout
Once you are happy, click the 'CONTINUE AND APPLY FOR FINANCE' button at the bottom of the screen.
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).
5. Delivery Options
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.
6. Review & Apply For Finance
Scroll down the page and review your order. Once you are happy then click the button 'CONTINUE AND APPLY FOR FINANCE'.
7. Applying For Finance
You will then be taken to our finance partner's website (V12 Retail Finance, Authorised and regulated by the Financial Conduct Authority) where you will need to complete your finance application.
- Applying In-Store
Paying With Interest Free Credit In-Store
Visit us at any one of our stores where you can request to pay by Interest Free Credit with V12 Retail Finance Limited. To pay with Interest Free Credit in-store, you need to:
- Be 18 or over
- Have been a UK resident for at least three years
- Have a credit or debit card
- Applying Over The Phone
Paying With Interest Free Credit Over The Phone
You can apply for Interest Free Credit over the phone with V12 Retail Finance Limited. Call our friendly Sales Team free on 0800 169 2329.
Other Finance Options
On the following ranges, we also offer credit over longer terms with a fixed interest rate of 9.9% APR.
- Pre-Owned watches.
- Smart Watches.
- Items in our SALE category.
This finance option is only available on purchases made through our sales team. Call our sales team free on 0800 169 2329 to find out more or place your order.
36 months interest bearing credit
| Purchase amount | £1,000 |
| 10% Deposit (to be paid now) | £100 |
| Amount of credit | £900 |
| 36 Monthly Payments of | £27.48 |
| Interest rate (fixed) | 9.9% |
| 9.9% APR Representative | £89.10 |
| Total Amount Payable | £1,089.10 |
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.