How do I apply for finance?
Simply click the “From £XXX.XX a month” button which will take you to the finance calculator. This will then bring up the terms available. By changing your deposit it will change the price of each monthly payment. After deciding on your deposit (10% minimum )and finance option, you can add to basket and continue to the checkout then complete your order using the V12 payment option. This will then take you to your shopping basket where you will need to press “proceed to checkout”. The next page will then ask you for you contact details and billing and delivery address, please note with finance agreements the product may only be sent to the billing address. Once you have typed in your information please scroll to the bottom of the screen and press “Pay by V12 Finance”. This will then transfer you to the V12 gateway where you will need to answer a few of their questions before they decide whether to accept your application. Once accepted you will receive a call from us to take your deposit over the phone.
Are all watches available on finance?
Yes, all watches are available for finance.
If you decline my application, what is the reason?
In addition to credit scoring, we also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though we 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
If my application is not successful, can I re-apply?
Yes. We acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that we’ll automatically turn down a further request. We do suggest however, that you leave at least 6 months between applications.
Who is eligible to apply for online finance?
To apply for finance, you must be over the age of 18, 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 the last 12 months or more. Unfortunately, we are unable to offer online finance to residents of Eire. Homemakers aren’t excluded from applying under their own names; however we will require the employment details of your spouse in order to process your application.