Interest Free Credit

Interest Free Credit is available in-store on our jewellery and new watches over £350.00, allowing you to spread the cost of your purchase.  Although Interest Free Credit is not normally available on reduced items or pre-owned watches this may be reviewed on a case by case basis so please check with us for specific items.  There are various options available depending on the value of your purchase, examples of which are given below.   

For items from £350.00 to £1000.00 Interest Free Credit is available over 12 months.  For example:

                Purchase price:                 £1000.00

                10% deposit:                      £100.00

                12 monthly payments:    £75.00

For items from £1000.00 to £3000.00 Interest Free Credit is available over 24 months.  For example:

                Purchase Price:                 £3000.00

                10% deposit:                      £300.00

                24 monthly payments:    £112.50

For items over £3000.00 Interest Free Credit is available over 36 months.  For example:

                Purchase price                  £5000.00

                10% deposit:                      £500.00

                36 monthly payments:     £125.00


Interest Free Credit is offered at management’s discretion and is subject to status and affordability including credit checks.  Interest Free Credit is provided by Hitachi Personal Finance, a division of Hitachi Capital (UK) PLC, authorised and regulated by the Financial Conduct Authority.  A minimum deposit of 10% is required for all purchases.      

To apply for any of our finance options you must be over the age of 18 and work at least 16 hours a week or be retired with an income.  You must also be a resident of the United Kingdom and have lived in the UK for at least the last twelve months.  Applications can be completed in our showroom and usually take around 15 minutes.  You will need to provide valid identification (e.g. driver’s licence) and details of the bank account you wish payments to be taken from.

If you require any more information about our Interest Free Credit options, then please contact us on 0114 266 9253 or email gems@pajewellery.com