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Finance Options

Spread Your Payments  -  Flexible Deposits  -  UK Residents Only  -  Online Only

Thought owning your own luxury Swiss watch was just a pipedream? Well, you thought wrong – at The Watch Gallery, we offer plenty of flexible finance options to help spread the cost and make your favourite piece attainable.

For purchases over £750, we can offer a traditional finance solution along with ‘Buy Now, Pay Later’ plan. On orders over £2,500 up to £25,000, we can grant up to 36 months interest free credit. Told you it was pretty flexible.

Interest Free Credit

Spread your payments over 12, 24, or 36 months

Purchases over £2,500 can be spread even further: over 12, 24 and 36 months to be exact –with no interest added. All you need is a minimum 10% deposit to reserve your piece. If the amount exceeds £16,666, please contact our Concierge team as a few restrictions may apply. Please note finance options may differ on pre-owned watches.

Representative Example: £2,500 watch

Representative Example: £2,500 watch


Watch Cost: £2,500
Deposit Required: £250
Loan Amount: £2,250 
Interest Charged: £0
Total Amount Payable: £2,250
36 monthly payments of £62.50 @ 0% APR

Buy Now Pay Later

Interest free for 12 months

Pieces over £750 are eligible for our ‘Buy Now, Pay Later’ plan – the 10% deposit is all you need to pay for 12 months. When this period ends, you can either pay the balance in full (again, with no interest added – just a £29 settlement fee) or you can spread the cost over the next 36 months at 19.9% APR.

Representative Example: £2,500 Watch

If balance is paid after 12 months:


Watch Cost: £2,500
Deposit Required: £250
Loan Amount: £2,250 
Interest Charged: £0

Settlement Fee: £29.00
Total Amount Payable: £2529

1 final payments of ££2,279 @ 0% APR

Or the cost can be spread over the following  36 months:


Watch Cost: £2,500
Deposit Required: £250
Loan Amount: £2,250 
Interest Charged: £649.73

Settlement Fee: £29.00
Total Amount Payable: £3,178.73
34 monthly payments of £85.29 @ 19.9% APR

Traditional Finance

Spend between £750 and £2,499 and you can spread payments over 24 or 36 months. Again, all you need is a minimum deposit of 10% with a baseline interest of 7.9% APR.


Watch Cost: £1,500
Deposit Required: £150
Loan Amount: £1,350 
Interest Charged: £164.61
Total Amount Payable: £1,514.61
36 monthly payments of £42.07 @ 7.9% APR

Finance Terms & Conditions

To apply for finance you must be 21 or older, in regular employment and resident in the UK for more than 3 years. Finance is applicable for order values over £750 and is excluded from sale/promotional items. Limited finance options apply for Pre-owned watches (see individual products for details).

If your application is successful, you’ll be asked to to pay a deposit using a credit or debit card registered in your name. We use this payment to validate the details registered against your address so please ensure that the details for the card used match those provided in the credit application.

Other conditions may apply and we cannot guarantee that your application will be accepted. Stock will not be allocated until the application has been completed and approved. We reserve the right to withdraw finance on certain products at any time. Pay on Finance is provided through our external partner, V12. If your application is successful you will enter into a Credit Agreement with Secure Trust Bank Plc, who is V12’s parent company. Items can only be dispatched to the billing address unless prior arrangemnts have been made (please contact us prior to dispatch for further details)

Should you cancel your credit agreement and have already received products from us, then you will be liable to pay us in full for the product (unless your cancellation rights apply).

Please note the above terms are for online purchases only, finance is also offered in some of our stores with varying terms available, please contact the individual store to discuss the options available

How long will it take to apply?

The online application should take no longer than a matter of minutes to complete. You should then receive an instant response confirming your application’s success. Occasionally, V12 - our 3rd party financial services provider - will need to manually check the application. In such cases V12 will confirm their decision by email within 1 working day.

What do I need to apply?

All you need to do is fill in the online form at the payment stage and add an electronic signature. Please ensure you use your full name and registered address (i.e. the same format as used by your bank). On the successful completion of your application you will be asked to verify your identity by authorising a 50p transaction against a credit or debit that you own. This is a fraud prevention measure used to validate the details you have provided - no money is taken from your account.

What happens if my application is turned down?

Applications can be declined for numerous reasons including because of typing errors or mismatching address details in the application process - please check these thoroughly. Please note that other criteria may apply and we cannot guarantee the acceptance of your application.

If your application is unsuccessful, you can still purchase the item by credit card or PayPal - please talk to our sales team about alternative payment options.

Note: accessing this section should trigger a live chat response, if out of hours this should capture contact details and message

If your application is declined, it’s usually for one of the following reasons:

  • you did not meet the eligibility criteria
  • adverse credit reference agency information
  • your credit score
  • you are considered to be overcommitted financially
  • your existing account performance with other lenders

If you wish to appeal the decision made by V12, it is advised that you obtain an up-to-date copy of your credit report by contacting the Experian Help Centre, before appealing directly to V12. Due to data protection all customer appeals must be dealt with directly with V12 by email to underwriting@v12finance.com or by phone, by calling 02920 468 916.

What happens if I wish to cancel my application/return the goods?

Standard conditions apply for returns and cancellation periods - see: Returns & Refunds

In the event that your order contains more than one item, please note that you will need to return the full order in order to cancel the finance agreement. 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.

Who are V12?

We've teamed up with V12 Retail Finance Limited ("V12") to offer you a flexible and affordable option to pay on finance. V12 is the UK's only specialist provider of Retail Point of Sale Credit, providing finance options for more than 20 years through its industry leading online paperless processing system. If your application is successful, you will enter into a Credit Agreement with Secure Trust Bank Plc (V12's parent company) which will be administered by V12. V12 is authorised and regulated by the Financial Conduct Authority. Secure Trust Bank Plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 204550.

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