Interest Free Credit

With Interest Free Credit you have the choice of spreading your payments over 6, 9, 12, 18, 24, 36 or 48 months depending on the value of the item you have purchased.

The table below shows how this works based on the minimum spend:

Term Minimum Spend Minimum Deposit Minimum Credit Balance
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
36 Months £750 10% £675
48 Months £750 10% £675

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, 36 or 48 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 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, a minimum of 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.
  6. 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.


  • 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 is not available on the following Brands & Models: Rolex, Chanel, Chopard, Glashutte Original, Hublot, IWC Schaffhausen, Zenith, Omega Snoopy Watch, Omega Olympics Watches, Omega Sale Products, TAG Heuer Sale Products, Omega Commanders Watch, Pre-Owned Watches, Omega James Bond Watches and Connected Watches

  • Interest Free Credit cannot be used on items priced £50,000 or higher.
  • Some terms may not be available in selected stores.
  • Interest Free Credit is not available in Airport 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 credit application is declined, you will receive notification via email from our credit partner, V12 Finance, with further instruction on how to dispute the decision. For more information, please contact Watches of Switzerland customer service at 0800 111 4116.

Interest Bearing Credit

If you're looking for the lowest monthly repayments so your dream purchase doesn't get in the way of your finances, then choose a 9.9% APR finance plan.

Interest-bearing credit is available on selected product and can be taken over 24, 36 & 48 months to offer the most affordable monthly package on orders with a minimum value of £1120. is a trading style of Watches of Switzerland Company Limited, Company Number 00146087, Registered Office: Aurum House, 2 Elland Road, Braunstone, Leicester, LE3 1TT; Authorised and regulated by the financial conduct authority, and acts as a credit broker. Credit is provided by V12 Finance, Authorised and Regulated by the Financial Conduct Authority. We may receive a commission if your application is successful, and the amount may vary depending on the product chosen and the amount of credit taken out.