Interest Free Credit
Jewellery, Watches and Diamond Engagement Rings Available on
Interest Free Finance up to 36 Months or Interest Bearing up to 60 Months.
Spread the cost of your jewellery or watch purchase with our interest free credit options
Apply online today for an instant decision and next day delivery
Up to 3 years interest free credit available, 36 months 0% apr representative
Up to 5 years interest bearing credit available, 60 months 14.9% APR representative
Finance is available for UK residents only. Please see site Terms and Conditions for more information. Subject to status & Minimum spend applies.
Applying for finance couldn’t be easier by following the simple steps listed below. For customers who prefer to spread their payments over convenient interest free installments, our finance options offers the ideal solution. We offer a number of products varying from 6-48 months credit, with variable deposit options we require a minimum of 10% deposit. Finance is available on all items priced at £250 or above, excluding sale items. Finance is only available to UK residents. The process only takes a few minutes and is simple and secure. Once your finance application is approved, you will receive an email advising you of how to download the finance agreement which needs to be electronically signed and returned.
About our finance
Our simple finance options allow you to spread the cost
of your jewellery or watch purchase over 6 - 48 months.
To qualify for our finance options:
Select an item to purchase.
Min value: £225. Max value: £25,000
Place a minimum deposit of 10% of the purchase value
You must be:
Over the age of 18 years old
Have been a UK resident for the last 3 years
Own a personal bank account from which
a Direct Debit can be taken
How to apply
Add your favourite jewellery to your basket
At the checkout, simply select the finance option you require
Follow the on-screen prompts for your instant online decision (no printing off any paperwork, all done online, straight away)
Your new jewellery order will then be processed by our team
For help with your finance application
You can contact a member of our customer
service team on 01947 603 330 or email
info@whamond.com for assistance with processing your application.
Finance is subject to status.
Our finance is supplied by V12 Retail Finance, Part of the Secure Trust Bank family and is Authorised and Regulated by the Financial Conduct Authority
Interest Free Finance Options Calculator
You can use our calculator below to get a more realistic representation of what
you would pay based on the cost of the item you are interested in.
Min of £250 Max of £25,000
Deposit Amount
Minimum of 10% required
6 Months
Total cost of item: £0
Deposit: £0
Loan amount: £0
Interest charged: £0
Total amount payable: £0
6 monthly repayments of £ 0 @ 0% APR Representative
9 Months
Total cost of item: £0
Deposit: £0
Loan amount: £0
Interest charged: £0
Total amount payable: £0
9 monthly repayments of £ 0 @ 0% APR Representative
12 Months
Total cost of item: £0
Deposit: £0
Loan amount: £0
Interest charged: £0
Total amount payable: £0
12 monthly repayments of £ 0 @ 0% APR Representative
24 Months
Total cost of item: £0
Deposit: £0
Loan amount: £0
Interest charged: £0
Total amount payable: £0
24 monthly repayments of £ 0 @ 0% APR Representative
36 Months
Total cost of item: £0
Deposit: £0
Loan amount: £0
Interest charged: £0
Total amount payable: £0
36 monthly repayments of £ 0 @ 0% APR Representative
Sale Items Available With Calculator
You can use our calculator below to get a more realistic representation of what
you would pay based on the cost of the item you are interested in.
Min of £250 Max of £25,000
Deposit Amount
Minimum of 10% required
6 Months
Total cost of item: £0
Deposit: £0
Loan amount: £0
Interest charged: £0
Total amount payable: £0
6 monthly repayments of £ 0 @ 0% APR Representative
9 Months
Total cost of item: £0
Deposit: £0
Loan amount: £0
Interest charged: £0
Total amount payable: £0
9 monthly repayments of £ 0 @ 0% APR Representative
12 Months
Total cost of item: £0
Deposit: £0
Loan amount: £0
Interest charged: £0
Total amount payable: £0
12 monthly repayments of £ 0 @ 0% APR Representative
24 Months
Total cost of item: £0
Deposit: £0
Loan amount: £0
Interest charged: £0
Total amount payable: £0
24 monthly repayments of £ 0 @ 14.9% APR Representative
36 Months
Total cost of item: £0
Deposit: £0
Loan amount: £0
Interest charged: £0
Total amount payable: £0
36 monthly repayments of £ 0 @ 14.9% APR Representative
48 Months
Total cost of item: £0
Deposit: £0
Loan amount: £0
Interest charged: £0
Total amount payable: £0
48 monthly repayments of £ 0 @ 14.9% APR Representative
60 Months
Total cost of item: £0
Deposit: £0
Loan amount: £0
Interest charged: £0
Total amount payable: £0
60 monthly repayments of £ 0 @ 14.9% APR Representative
Finance 0% APR Representative Examples
| Order value | Term (months) | Deposit (10%) | Monthly payments |
|---|---|---|---|
| £1,000 | 6 | £100 | £150 |
| £1,000 | 9 | £100 | £100 |
| £2,000 | 12 | £200 | £150 |
| £2,000 | 24 | £200 | £75 |
| £3,000 | 36 | £300 | £75 |
Frequently asked questions
How do I choose to pay by Finance?
Just select the finance option on the checkout page or let the sales consultant know if you're buying in our showrooms.
Who is eligible to apply for online finance?
To apply for finance, the applicant must meet the following criteria:
• Is over the age of 18
• is, or their partner is, in permanent paid employment, self-employed, retired and receiving a pension, working student in part time work or in receipt of a disability benefit
• has been a resident in the UK for at least 3 years
• has a debit or credit card in their name, which is registered to their address, in order to pay for the deposit (if applicable)
• has a Bank or Building Society current account available (you’ll need this to complete the direct debit instruction)
When do my repayments start?
Your monthly repayments will begin one month after your purchase has been delivered.
Are there any arrangement fees or hidden extras for credit?
No. There are no arrangement fees or hidden extras. Credit subject to status and affordability. Terms & Conditions Apply. W Hamond are a credit broker and are Authorised and Regulated by the Financial Conduct Authority. Finance is provided by Secure Trust Bank PLC, trading as V12 Retail Finance and Regulated by the Financial Conduct Authority. Not all products offered by Secure Trust Bank PLC are regulated by the Financial Conduct Authority.
Applying for online finance
When you buy online from W Hamond you have the choice of applying for instant finance by adding your purchase to the shopping basket, selecting the option to PaybyFinance, and completing a finance application form. The whole process only takes a few minutes and is simple and secure. Once your finance application is approved, you will receive an e-mail advising you of how to download the finance agreement. Please read this carefully checking that all the details are correct, then either e-sign the agreement, if offered, or print and sign the finance agreement twice. Post the document to the address shown on the finance agreement. Following receipt of your finance agreement and a few additional checks, your goods will be dispatched. Applying for online finance couldn't be easier or more convenient. Once you've chosen the products you'd like to purchase, simply complete a brief online application form accessed via the 'checkout'. Just follow the simple instructions, entering your personal details as required and we'll do the rest.
Once my application is approved, what happens next?
Within minutes of your application being approved, you will be presented with the option to sign your credit agreement. If you are offered the ability to e-sign your credit agreement and choose to do so, a PDF of your credit agreement will be displayed on screen. You should read the credit agreement carefully before clicking all the relevant sections agreeing to its terms. Once you have agreed to the terms of the credit agreement W Hamond will be notified and you need do nothing more. If you are presented with the ability to print and return your credit agreement you should print the PDF agreement, read it carefully and then sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the credit agreement. Note that products will not be allocated to your order until your completed and signed agreement is returned and received by V12 Retail Finance. Shipment of your goods will follow soon after your agreement has been returned to our finance company.
Will you credit score me and if so, what does this mean?
Credit scoring is the process conducted by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies. This information allows finance providers to produce consistent decisions, ensuring all applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.
If you decline my application, what is the reason?
In addition to credit scoring, V12 Finance also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though V12 Finance are unable to provide you with a main reason for decline of your application, it is usually based on one, or a combination of the following: • Your credit score (note that every finance company will score you differently) • Adverse credit reference agency information • You are considered to be overcommitted • You are aged under 18 • Your existing account performance with other lenders
What type of information do credit reference agencies hold about me?
Some of the information is public information, for example electoral roll, County Court Judgements and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.
How do I obtain a copy of this information?
You should send a cheque for £2.00 made payable to the relevant company, together with details of all addresses at which you have lived over the last 6 years: • Consumer Help Desk Experian Limited PO Box 8000 Nottingham NG1 5GX • Equifax Ltd., Credit File Advice Centre. PO Box 1140. Bradford, BD1 5US • Consumer Services, Callcredit Limited, PO Box 491, LEEDS, LS3 1WZ The above listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.
If my application is not successful, can I re-apply?
Yes. V12 acknowledge that your circumstances change and just because they have refused a previous application, it does not mean that they automatically turn down a further request. V12 do suggest however, that you leave at least 6 months between applications.
Can I request delivery to an address other than my home?
In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant.
Can I Use the Click & Collect with Finance?
Yes From placing the order online and requesting a store collection, the customer is required to produce;
- Photo Identification required from the customer in store. (Passport or driving Licence)
- Card used to process the application required from the customer in store to verify.
- Must be the named person who submitted/was approved on the application who is collecting the goods from the store.
- Produce the approved acceptance email sent from V12 to verify the application.
For Help with your finance applicaition
You can contact a member of our customer service team on 01947 603 330 or
email info@whamond.com to assist in processing your application.
