Luxury Watch Finance
Get luxury watch finance for up to 60 months interest free. Simply apply online today for an instant decision by selecting the finance button at checkout. Get interest free finance on luxury watches with C W Sellors on all orders over £225.
To find out more about the finance options we can offer you, check out our interest free finance calculator.
How To Apply For Watch Finance
Add your chosen watch to the basket, and when you go through the checkout, simply select the finance option you require.
Follow the on-screen prompts for your instant online decision (no printing off any paperwork, all done online, straight away)
Then leave the rest with us and we will get your watch all wrapped up ready for delivery.
There are NO administration fees payable on our finance schemes. Please note some products are not available with finance, each product page will inform you if finance is available.
In order to apply for credit, you must:
- Be at least 21 years of age
- Be either in full time employment (16 hours or more a week), or self employed, or retired and over 50 years old, or in receipt of an invalidity or disability allowance.
- Have been a UK resident for over 3 years
- Be able to make repayments by direct debit
- Provide your previous address history if you have lived at your current address for less than three years.
- Have an order value of over £225
Frequently Asked Questions
How quickly will my application be processed?
In most cases you will know immediately if your application has been accepted or declined. On the odd occasion a credit application can be referred and if this is the case you will be notified as soon as a decision has been reached.
If my application is accepted what happens next?
Once your watch finance application is accepted, you will receive an email where you need to sign your e-signature. Simply read through your agreement and tick a couple of boxes to confirm you are happy with everything. When we have received your completed application and the e-signature you can sit back and relax and leave us to get your order ready.
What is credit scoring?
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 I have been refused credit can I apply again?
We acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that we will automatically turn down a further request. We do suggest however, that you leave at least 6 months between applications.
Who is my finance with?
We use Hitachi Finance for online applications.
Who is eligible for finance?
To apply for Finance, you must be over 21, and you or your partner must 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 three years or more. Unfortunately, we are unable to offer online finance to residents of Eire.
Why has my application been declined?
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:
- Adverse credit reference agency information
- Your credit score (note that every finance company will score you differently)
- You are aged under 21
- You are considered to be overcommitted
- Your existing account performance with other lenders
What type of information do credit 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.
Can I have my order delivered to somewhere other than my home address?
In order to safeguard applications orders that are being paid for by finance can only be delivered to your home address.