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Finance Options

Spread your payments over 12, 24 or 36 months

PAYMENT PLAN MINIMUM SPEND DEPOSIT INTEREST APPLIED
12 months £1,000 10% 0% APR
24 months £1,500 10% 0% APR
36 months £3,000 10% 0% APR
       
12 months £750 10% 11.9% APR
24 months £1,000 10% 11.9% APR
36 months £1,500 10% 11.9% APR

Representative Example: £1,500 item

24 MONTHS 0% APR REPRESENTATIVE 36 MONTHS 11.9% APR REPRESENTATIVE
Item Cost: £1500
Deposit Required: £150
Loan Amount: £1350 
Interest Charged: £0
Total Amount Payable: £1500
24 monthly payments of £56. 25 @0% APR
Item Cost: £1500
Deposit Required: £150
Loan Amount: £1350
Interest Charged: £248.04
Total Amount Payable: £1748.04 
36 monthly payments of £44. 39 @11.9% APR

How does PaybyFinance Work?

PaybyFinance is available on loans up to £20,000 (excluding deposit) and is provided by Hitachi Capital Consumer Finance (UK) with whom we have a commercial relationship. You can apply online by either selecting the PaybyFinance option on the product page or within the checkout. You'll be asked to provide payment card details for a deposit from 10% (no money will be taken until your application has been accepted). Once you've completed the simple order process we'll confirm receipt of your order and provide a link to an online credit application form provided by Hitachi Capital Consumer Finance (UK). The form should take no longer than 5 minutes to complete.

On completion of your application you will be given an immediate decision on screen. Our online concierge service will then get in touch (by email or phone) to confirm the deposit payment and delivery of your purchase. Please note PaybyFinance is available only to residents of the UK and that orders can only be delivered to your billing address. Orders will be processed as soon as we’ve received confirmation of your successful credit application and a deposit payment has been processed.

PaybyFinance is only available on orders that do not contain sale items and is not available in conjunction with any other offer.

Credit options in-store

We offer a PaybyFinance facility in our The Watch Gallery stores but please note that the 36th 0% option is exclusively available only online. Unfortunately, we are unable to offer this same facility in our other stores at this time.

Item Returns

Please note that in the event that multiple items are bought using the PaybyFinance facility, the full order (i.e. any items bought within a single order which subsequently meet the £1500 threshold) must be returned. This means that if, for example, you have purchased 3 items 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 (UK), 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 (UK) 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 (UK)
2 Apex View
Leeds
LS11 9BH

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