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0% Interest Free Credit

Johnsons Jewellers have been offering Interest Free Credit in store and on-line for many 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, 9, 12, 18, 24 or 36 months. Interest Free Credit is now available online on almost all items (certain items are excluded from 0%, see below for details) over £280 after the deposit has been paid.


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.

Excluded Items.

Please note that we do not offer 0% interest free credit on:

  • Rolex Watches
  • Sale Items 
  • Pre-owned Purchases

We are able to offer 'Interest Bearing' credit options, should you wish to spread the cost of your purchase. Please call one of our sales team on 02476 347 038, or visit us in store where we would be happy to discuss the options of availablilty.

Who is eligible for finance?

To take out finance with V12 you will need to be:

  • Over 18 years of age
  • Be a resident in the UK for 3 or more years
  • Be in regular employment
  • Be able to make regular payments
  • Have a debit/credit card registered in your name and address.

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.

What happens if my application is declined?

Applications are declined for a manner of reasons and Johnsons Jewellers have no control over which applicants are declined. Should you wish to appeal against a declined application, please contact V12 direct:

All customer appeals must be emailed to [email protected] or for more advice, call V12 on 02920 468 916.

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.

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.

Please note: V12 terms and conditions state that all on-line finance orders must be delivered to the address which the application has been taken out in and cannot be shipped to an alternative delivery address. This is a requirement by V12 and cannot be amended under any circumstances.

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 £3,500

12 monthly payments
Price of item:£3,500
10% Deposit:£350
Amount borrowed:£3,150
Monthly repayments:£262.50
0% APR
Total amount payable:
24 monthly payments
Price of item:£3,500
10% Deposit:£350
Amount borrowed:£3,150
Monthly repayments:£131.25
0% APR
Total amount payable:
36 monthly payments
Price of item:£3,500
10% Deposit:£350
Amount borrowed:£3,150
Monthly repayments:£87.50
0% APR
Total amount payable:

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.

We’re delighted to have 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.

Make an enquiry

Please fill out the form below, call 02476 347 038 or visit our store. Our expert staff will be happy to assist.