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Finance

At C W Sellors we offer finance on all our Jewellery and Watches worth over £225.00. We have a huge selection of products to choose from, all available to buy online and in our stores. So whether you are looking to treat yourself or that special someone, make it easier on yourself and spread the payments using our interest free finance options. We have interest free finance on engagement rings and wedding rings too.  

0% Finance (6-60 Months)

Applying for finance is really simple and can be taken over 6, 12, 24, 36, 48 or 60 months depending on the value of the item. The whole process only takes a few minutes to do and you can complete the application over the phone or online. Simply call a member of the team on 01335 453453 or head over to the checkout to start the process. 

Example finance options for a £1,285.00 Fope Bracelet ref 610B
Deposit: £128.50
Finance Amount: £1,156.50

TERM RATE MONTHLY PAYMENTS TOTAL PAYABLE TOTAL CHARGE
FOR CREDIT
Interest Free Finance
(12 Months)
0% 11 x £96.39
plus 1 final payment of £96.32
 

£1285.00

£0.00 
Interest Free Finance
(24 Months)
0% 23 x £48.19
plus 1 final payment of £48.13

£1285.00

£0.00
Interest Free Finance
(36 Months)
0% 35 x £32.13
plus 1 final payment of £31.95

£1285.00

£0.00

 

How To Apply For Watch Finance

Add your chosen item to the basket, and when you go through the checkout, simply select the finance option that suits you.

Complete the simple step by step application until you reach your instant decision. If you are accepted you will need to sign your e-signature which simply means ticking a couple of boxes and clicking confirm.

Finance Terms

There is NO administration fee's payable on any of our finance schemes.

Please note some products are not available with finance, each product page will inform you if finance is available on that item.

In order to apply for credit, you must:

  • Be at least 21 years of age.
  • Be either:
  1. in full time employment (i,e. 16 hours, or more, per week) or
  2. self-employed or
  3. retired and over 50 years of age or
  4. in receipt of an invalidity or disability allowance.
  • Have been a UK resident for 3 years or more.
  • Be able to make repayments by direct debit
  • Provide your previous address if you have lived at your current address for less than 3 years.
  • Have an order value of over £225.00

Payments by direct debit, credit subject to status, written quotations available on request.

Our finance is supplied by Hitachi Personal Finance, a division of Hitachi Capital (UK) PLC Authorised and Regulated by the Financial Conduct Authority. 

Frequently Asked Questions

How do I choose to pay by Finance?

Just select the finance option on the checkout page or let the sales consultant know if you're buying in our showrooms.

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.

When do my repayments start?

Your monthly repayments will begin 30 days after your purchase has been delivered.

Are there any arrangement fees or hidden extras for credit?

No. There are no arrangement fees or hidden extras. Credit subject to status and affordability. Terms & Conditions Apply. C W Sellors are a credit broker and are Authorised and Regulated by the Financial Conduct Authority. Credit is provided by Hitachi Personal Finance, a division of Hitachi Capital (UK) PLC Authorised and Regulated by the Financial Conduct Authority.

Once my application is approved, what happens next?

Within minutes of your application being approved, you will be presented with the option to sign your credit agreement. If you are offered the ability to e-sign your credit agreement and choose to do so, a PDF of your credit agreement will be displayed on screen. You should read the credit agreement carefully before clicking all the relevant sections agreeing to its terms. Once you have agreed to the terms of the credit agreement C W Sellors will be notified and you need do nothing more. If you are presented with the ability to print and return your credit agreement you should print the PDF agreement, read it carefully and then sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the credit agreement. Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Hitachi Capital. Shipment of your goods will follow soon after your agreement has been returned to our finance company.

Will your credit score me and if so, what does this mean?

Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies. This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.

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

What type of information do credit reference agencies hold about me?

Some of the information is public information, for example electoral roll, County Court Judgements and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.

 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.

Can I request delivery to an address other than my home?

In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant.

Can I Use the Click & Collect with Finance?

Yes From placing the order online and requesting a store collection, the customer is required to produce;

  • Photo Identification required from the customer in store. (Passport or driving Licence)
  • Card used to process the application required from the customer in store to verify.
  • Must be the named person who submitted/was approved on the application who is collecting the goods from the store.
  • Produce the approved acceptance email sent from the finance company to verify the application.
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