Interest Free Credit

Available in store, online and by email our 0% finance option allows you to spread your payments over 9, 12, 18, 24 or 36 months. Interest free credit is available to UK residents on all items over £500*. The minimum deposit changes depending on how many months you wish to do the finance over.

*excluding pre-owned and sale items.

Minimum Deposits

6,9 or 12 months 20% deposit
18 or 24 months 30% deposit
36 months 40% deposit

The deposit is paid on the day the finance application is approved, by card.

To be eligible for finance you must meet the following criteria –

18 and over

3-year UK address history

Personal bank account from which a Direct Debit can be taken

Eligible employment status

Have an email and telephone number

An interest free credit plan is a very affordable way to pay for luxurious items of jewellery and watches and really treat yourself or your loved one. Preowned jewellery, preowned watches and sale items are not available on interest free credit.

Eligible employment includes:

  • Employed, working 16 hours minimum per week, on a permanent contract;
  • Self–employed working a minimum of 16 hours per week;
  • Retired person (this includes early retirement);
  • A person on disability allowance, for which they can provide proof;
  • Student nurse or doctor; and
  • If unemployed they can apply as a “House Person”, providing they have a cohabiting spouse/partner who can provide employment details.

Representative example

Cash price £3000
Deposit £600
Total amount of credit £2400
Duration of agreement 12 months
Representative APR 0%
Annual rate of Interest 0%
Total amount repayable £3000

The application journey is a quick and easy process to do either in store, online or can be emailed to you. An application can be approved within a few minutes. For varying reasons applications sometimes refer which means the underwriting team at Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC, need to review the details. This can take a few hours or a few days and they sometimes require more information from you.

If you have any other questions about 0% finance please either give us a call on 01539 722166 or fill out a contact form and we will get back to you.

Credit is provided by H Hogarth is a registered company in England 7716740. Registered office – 43-45 Branthwaite Brow, Kendal, Cumbria, LA9 4TX. H Hogarth acts as Credit broker and offers credit products provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority. Financial Services Register no.704348. The register can be accessed through H Hogarth is authorised and registered by the Financial Conduct Authority. Our registration number is 662607. Credit provided is subject to age and status.