Owning one of our exquisite luxury watches couldn’t be easier with our fantastic interest free finance options, which spreads the cost of your chosen timepiece into manageable amounts over a set time period. Considering your lifestyle and budget, our friendly watch specialists are available to help advise on the perfect plan for you.
With up to 5 years 0% interest free credit, you now can purchase your dream luxury watch from the likes of Bremont, Breitling, TAG Heuer or Grand Seiko, just to name a few from our impressive selection of highly sought after names in the industry. No brand is out of reach, especially with our 60-month plan that makes even those special editions affordable.
The 0% Interest Free Finance Options
Firstly, the timepiece that you are wishing to purchase must be over £225 to be eligible for any of our interest free deals. We ask for 10% of the cost of the watch up front with the remainder to be paid in small monthly instalments. Our plans start at just 6 months and finish at 60 months with many options in between. The higher the time frame the smaller the monthly payments will be. Pick from 6, 12, 18, 24, 36, 48 or 60 months on the majority of our designs. Simply click on the finance tab to find out how much each option works out as before completing our quick and easy application process. Our interest free finance calculator is the perfect way to work out the monthly costs.
How to Apply for Luxury Watch Finance
Once you have chosen your watch, simply add it to your basket and follow the steps at the checkout. Select the finance option that you require and follow the on-screen prompts. A decision will be made instantly with our quick and efficient process that is all completed online with no need to print out paperwork or send in the post.
However, if you would like to talk through the Novuna Finance application with our watch specialists just give them a call on 01335 453 453 and they will be happy to answer any of your enquiries, helping you pick the right deal for you and to fill out the form whilst you are on the phone.
You will receive an email to let you know that your finance application has been accepted and so that you can provide an e-signature. This is a great opportunity to read through the agreement to ensure that you are happy with every detail. Leave the rest to us! We will ensure that your watch is delivered promptly to your home address.
To be eligible for interest free finance you must:
- Be 21 years old or over.
- Work 16 hours or more a week in full time employment. You can apply if you are self employed, retired and aged over 50 or receive invalidity or disability allowance.
- Have been a UK resident for over 3 years.
- Be able to make repayments by direct debit.
- Be able to provide your address history if you have not lived at your current place for three years.
Why an Application May Be Declined
If you have followed all of the prompts but your application has been declined, it is worth giving our watch specialists a call to double check you have completed everything correctly. There are a few reasons why your application may have been denied such as your credit score, your account performance with other lenders, existing commitments, information held at the credit reference agencies and confirmation of your identity. Unfortunately, we are unable to find out the exact reason why your application has been declined but it could be a combination of the above. The good news is, is that you can apply again but we recommend that you wait for at least 6 months between applications.
Credit Score Explained
Financial service companies use credit scoring to analyse the risk of new applicants. Each answer on the application form is awarded points to calculate the final credit score. These include your age; income and profession as well as the information provided from credit reference agencies but they certainly do not take sex, race, religion or disability into account. By using the credit scoring system we can guarantee that everyone if treated fairly and allows for us to be consistent in our decision-making.
Credit agencies will have access to public information such as the electoral roll, County Court Judgments and bankruptcies. If you have applied for credit before and been successful, the lender will hold information on your payment history and outstanding balance, if you have one.