Jewellery & Watch Interest Free Financing

What is Interest Free Financing?

Purchasing an item on interest free finance (0% typical APR) is a great way to spread the cost of payment and not pay a penny more than the original asking price. 0% typical APR refers to there being no interest to pay on the amount you are borrowing. You can choose to spread your payments over 6 months, 12 months, 18 months, 24 months, 36 months or 48 months with this option if you wish

What is Classic Credit Financing?

Choosing the Classic Credit Finance option at the checkout will allow you to spread the cost of your purchase over a longer period than Interest Free Finance. You can choose to spread your payments over 36 months, 48 months or even 60 months if you wish. A 7.9% APR applies to this option. Hint: if your credit score is low you will have a better chance of being approved on Classic Credit than the equivalent Interest Free Financing option.

Do I need to pay a deposit?

The minimum deposit amount on any order is just 10%. Of course if you would like to pay a higher deposit to reduce your repayments then you are more than welcome. You may pay up to a 50% deposit of the total price if you wish.

How does Interest Free Financing work?

Interest free financing (0% typical APR) allows you to spread the cost over 6, 12, 18, 24, 36 or 48 months, completely interest free. Here is an example breakdown of what you will pay when purchasing an item on 24 months interest free financing from Robert Gatward Jewellers:

Price of item: £2,400
Deposit: £240 (10%)
Amount borrowed: £2,160 (2400 minus 240)
24 monthly repayments of: £90 (2160 divided by 24)
Other charges: £0.00
Total amount payable: £2,400

What items can I purchase on Interest Free Finance?

On our website and in our Robert Gatward stores you may purchase items that are £300 or over on interest free finance (exceptions apply). You may also purchase a number of items that total up to £300 or over and purchase these items on interest free finance. Unfortunately discounted items cannot be purchased on interest free finance. We apologise for any inconvenience caused. If you are experiencing any difficulties purchasing on finance please email and we will endeavour to assist you swiftly.

Buy Engagement Rings on Interest Free Finance

Buy Wedding Rings on Interest Free Finance

Buy Rolex Watches on Interest Free Finance

Who can apply for Interest Free Finance?

If you are aged 18 or over, a resident of the United Kingdom and live/lived in a permanent address of at least three years in the UK you may apply for interest free finance. To be accepted for finance you must meet V12 Retail Finance LTD’s criteria and pass a credit check.

Can I apply in a Robert Gatward store for Interest Free Finance?

Yes you certainly can. All of our Robert Gatward stores offer the same Interest Free Finance provided by V12 Retail Finance LTD. Please visit your nearest store for full details on finance in store.

Who is the credit provider?

Robert Gatward Jewellers LTD is a company registered in the UK 07568606. Registered office: 31A Charnham Street, Hungerford, Berkshire, RG17 0EJ. Robert Gatward Jewellers LTD acts as a credit broker and offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance Ltd. The consumer credit service is provided by Secure Trust Bank PLC trading as V12 Retail Finance. Robert Gatward Jewellers LTD is authorised and regulated by Financial Conduct Authority. Our registration number is 669022. Credit provided subject to age and status. For more information please visit

How do I apply for Interest Free Finance?

Applying for interest free finance on our website couldn’t be easier. Just follow these simple steps and your new jewellery or watch will be with you in no time.

After choosing your item, click Buy On Finance underneath the price of the piece.

Interest Free Financing at Robert Gatward Jewellers

You'll then be greeted by a easy to use calculator to plan your monthly repayments. At this point use this for reference only as you will reselect your final terms at the checkout.

Interest Free Financing at Robert Gatward Jewellers

After you have reviewed your purchase in the Shopping Bag, proceed to the Checkout to complete your order. Fill in your personal billing details as normal on the left and select your delivery method. Under Payment Method choose ‘Pay by Finance’ and select your final terms, including a deposit amount if you wish. Double check your order on the right and then place your order.

V12 Screenshot 4

Once you have placed your order you will immediately be redirected to the V12 Retail Finance LTD website to start your application for finance. The application is straightforward and should take no longer than ten minutes to complete. You will be subject to a credit check during the application and you will know within seconds whether you have been accepted.

V12 Screenshot 5

The final stage is electronically signing the agreement on screen. This will then load a new screen saying that your agreement has been received. At this stage we can process your order as normal and dispatch it the same day if ordered before 2:00pm Mon-Fri.

Where is my Order Confirmation?

Once you have placed your order with us and you have successfully completed your finance application our finance team personally starts processing your order. Once a few extra security checks are handled by our team your order confirmation will arrive in your inbox within 1 hour. Please note that our finance team operates from 9:00 - 17:00 Mon-Sat therefore orders placed outside these hours will not receive an order confirmation until operating hours commence. A member of our team will process your order first thing in the morning. Please call us on 01235 603023 if you have any queries about your order we'll be more than happy to help.

If you have any further questions not listed on this page regarding Interest Free Finance, please email: