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johnsons jewellers

johnsons jewellers

02476 347 038
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Johnsons Jewellers is closed and we are not be able to guarantee delivery. Should you still wish to purchase, please contact [email protected] for more information.
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Interest Free Credit & Finance Options

Spread the cost of your luxury purchases with our interest free credit finance options. Choose from a variety of monthly instalment plans to suit your budget, fast and easy to apply.

0% Interest Free Credit

Our Interest Free Credit option with Novuna Finance offers you the ability to spread the cost of your purchase over a range of terms with 0% APR Representative. Finance is only available to UK residents on selected products priced between £285 & £25,000, and all you pay at the time of your order is your selected % deposit. Interest Free Credit is not available on pre-owned watches, services and selected brands. Term length restrictions may apply to certain products.

 

Term
Minimum Spend

Minimum
Deposit Amount
6 Months£28510%
9 Months£28510%
10 Months£28510%
12 Months£28510%
18 Months£28510%
24 Months£28510%
36 Months£28510%
48 Months£28510%


*We do not offter Interest Free Credit on any Rolex Timepiece.

 

Example of Finance Calculation for £3,000.00 

 


12 Monthly Payments

Price of item:£3,000.00
10% Deposit:£300.00
Amount borrowed:£2,700.00
Monthly repayments:£225.00
0% APR
Total amount payable:
£3,000.00

 


24 Monthly Payments

Price of item:£3,000.00
10% Deposit:£300.00
Amount borrowed:£2,700.00
Monthly repayments:£112.50
0% APR
Total amount payable:
£3,000.00

 


48 Monthly Payments

Price of item:£3,000.00
10% Deposit:£300.00
Amount borrowed:£2,700.00
Monthly repayments:£56.25
0% APR
Total amount payable:
£3,000.00

 



How do I apply for Interest Free Credit?

  1. Add the qualifying item(s) you want to your basket and proceed to the checkout.
  2. Select "Novuna Finance" and choose from the available plans. We offer terms from 6 to 48 months. Terms will vary according to the qualifying item and order value.
  3. Select your deposit amount. We offer deposits from 10%, 20%, 30% 40% to a maximum of 50%. Increasing your deposit amount will reduce your monthly cost.
  4. Now click "Proceed to Checkout". Here you will be able to select if you would like to Click & Collect* your order or have it delivered. * If you would like to collect your items in-store, you must show a picture form of identification such as a driver's licence, upon collection. 
  5. You will now be diverted to Novuna finance where you will see your credit application form and term breakdown. Enter all the information that is required.
  6. Novuna will ask you for your credit card details to place the deposit for your order.
  7. Novuna will then process your application. Once the deposit has been paid and the application's status is successful, we will receive a notification and post your items.



Interest Free Credit on Rolex Watches?

Our Interest Free Credit options are not available on the purchase of a Rolex timepiece through Johnsons Jewellers. We do, however, offer Interest Bearing Finance. Should you require further details about Interest Bearing Finance, a member of the Johnsons team will be able to discuss your options with you during your visit to our store.



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 availability.



Disclosure

Harold Johnson & Son Ltd trading as Johnsons Jewellers are an appointed representative of Novuna Consumer Finance which is Authorised and regulated by the Financial Conduct Authority for credit broking. Credit is subject to status and affordability, and is provided by Mitsubishi HC Capital UK PLC. Terms & Conditions Apply.



Finance FAQs

 

Select the Novuna pay by finance option at the checkout page or speak to our sales team if you are planning on buying in-store.

The minimum deposit required on all items eligible for finance is 10%. We do offer alternative deposit amounts of 20%, 30%, 40% to a maximum of 50%.

To apply for finance with Novuna, you must meet the following criteria:

  • Over the age of 18
  • Be a UK resident 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.

Your monthly repayments will start 1 month after the date you signed your application.

Once your finance application is approved by Novuna Finance and the deposit payment has been debited from your account, we will dispatch your goods the next working day. For more information regarding our delivery services click here.

Credit scoring is a process used by financial services companies to evaluate credit risk of new applicants. This method will be applied to your application when applying for finance online. Credit scoring works by awarding points to questions on the application such as age, occupation and income together with information from credit reference agencies. This information allows us to produce consistent decisions, ensuring all applicants are treated fairly. 

As well as credit scoring, we also take into account confirmation of your identity, validation of application details, exciting commitments and information held at the credit reference agencies. While we are unable to provide details on the main reason fro the decline of your application, it usually is, or a combination of the following:

  • Your credit score
  • Credit reference agency information
  • You are considered to be overcommitted
  • You are under the age of 18
  • Your existing account performance with other lenders

To safeguard and prevent fraudulent applications, we regret that we are only able to deliver goods to the home address of the applicant.