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Interest Free Credit


Johnsons Jewellers have been offering Interest Free Credit in store for several years for the purchase of a luxury timepiece or a piece of jewellery. This facility gives you the freedom of choice on the deposit and the terms over which to purchase your chosen timepiece or jewellery. Spread the cost of your purchases over 6, 10, 12, 18, 24 or 36 months. Interest Free Credit is now available online on almost all items over £250.

How do I apply for Interest Free Credit?
Add the qualifying item(s) you want to your basket and proceed to the checkout. Follow the simple instructions and select “Apply for Finance” as your payment method.

How much deposit do I need to leave?
The minimum deposit required on all items is 10%, though you can pay a larger deposit (up to 50%) by adjusting the slider at the start of your finance application. Please note, some items may have a higher required minimum deposit.

Which company manages finance applications?
All finance applications are handled by V12 Retail Finance, who make the whole process as simple and user-friendly as possible.

When will I know if my application has been successful?
V12 Retail Finance will, usually, be able to give an instant decision. In some cases, it may take a short time to come back with a decision.

When will I receive my goods?
Once the finance application has been approved by V12 Retail Finance and the deposit payment has been taken. We will dispatch your goods the following working day.

When will the first payment be taken?
The first payment will be taken 1 month from the esignature date of the agreement.

Examples of Interest Free Credit on a £1,000 watch:

  • 25% deposit and 12 monthly payments to cover the balance.
  • Example: Watch price £1,000
  • Deposit: £250
  • 12 Payments: £62.50
  • Total Payment: £1,000
  • 25% deposit and 18 monthly payments to cover the balance.
  • Example: Watch price £1,000
  • Deposit: £250
  • 18 Payments: £41.66
  • Total Payment: £1,000
  • 25% deposit and 24 monthly payments to cover the balance.
  • Example: Watch price £1,000
  • Deposit: £250
  • 24 Payments: £31.25
  • Total Payment: £1,000

Please note: The Interest Free Credit facility is subject to clearance with our finance company.We also offer the option to apply for Interest Free Credit on items we do not sell online. Please contact us by phone or email for more information.

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Consumer credit is provided by V12 Retail Finance Limited and their parent company Secure Trust Bank Plc 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.

Harold Johnson & Sons are regulated by the Finance Conduct Authority. CCL: 0106564