Interest Free Credit

Payment plans available

With Interest Free Credit you have the choice of spreading your payments over 6, 9, 12, 18, 24 or 36 months depending on the value of the item you have purchased. The table below shows how this works based on the minimum spend.

Representative Example (based on 9 months Interest-Free Credit)

0% APR Representative

How does Interest Free Credit work?

1. Interest Free Credit is available on all items that are not available on sale items or in conjunction with any other offer.

2. To apply for Interest Free Credit, select this option when you are selecting how to pay for your purchase(s). Select how many months you would like to spread your payments, from 6, 9,12, 18, 24 or 36 months payment terms vary depending on the value of the item, you will then be automatically directed to the next page.

3. If you already have an account with us then just sign in and your delivery and billing details should appear on screen. Alternatively, you can fast-track that option by typing in the address where you would like your item(s) delivering to.

If you are new to Watches of Switzerland.co.uk then you will have to create an account with us, or alternatively you can proceed via the guest checkout.

4. You will also have to enter your card details to pay for the deposit, currently only 10% of the total order value. Once you are happy with everything, click 'Pay'.

5. You will now be diverted to the application form for your Interest Free Credit plan. Enter all of the information that is applicable to you.

7. The finance company will process your application and once accepted, we will receive notification. We will only despatch your order once we have received notification that your application has been successful.

Exceptions

- Interest Free Credit is unavailable on the purchase of all sale items and gift cards and cannot be used in conjunction with Click and Collect.

- Interest Free Credit cannot be used on items priced £20,000 or higher.

- Some terms may not be available in selected stores.

Order Returns

Please note when considering returning items bought with Interest Free Credit, the order must be returned in full to Watches of Switzerland.

This means that if, for example, you have purchased 3 items through Interest Free Credit but would like to return 1 of those items then all 3 items must be returned back to us in full.

Declined Credit Applications

If your application is declined by Hitachi Capital Consumer Finance, you will be notified within 15 seconds of submitting the online form.

You will have the option to print the declined letter which will provide you with an overview of why your application has been cancelled.

You also have the option to request your credit details from Experian for an administrative fee of £2. You will need to post a cheque, along with your name and address details to the address below.

Experian Help Service
P.O. Box 8000
Nottingham
NG1 5GX

If you still feel unhappy about the decision, you can write to Hitachi Capital Consumer Finance and request further details about your application. Please clearly state the reason that you are writing and provide your name, address and postcode. Post these details to:

Customer Services
PaybyFinance
Hitachi Capital Consumer Finance
2 Apex View
Leeds
LS11 9BH