01234 352005 0800 783 3722 sales@johnbulljewellers.co.uk
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Interest Free Credit

Finance

0% Finance available on sales over £300. We also offer our customers the opportunity of paying by installments on all watches & jewellery that are for sale on our website above £300.

We offer a selection of competitive interest rates and deposit amounts.

Applying for finance is fast and easy. Complete the credit agreement, sign it online and get an instant credit decision. Upon acceptance, pay your deposit and you're done.

How To Apply

You can simply apply for credit on eligible products by clicking the finance option at the checkout where you'll be taken to our partner Pay4Later to complete the application.

Qualifying For Credit

  • You must be over 18 years of age.
  • You must be a UK resident with at least 3 years continual address history.
  • You must be in full time employment, unless retired or a house person with a spouse in full time employment.
  • You must have a UK bank account capable of accepting Direct Debits.
  • The goods must be delivered to your home address.

Frequently Asked Questions

How much can I borrow?

When checking out, just fill out Pay4later's easy online application form and you can be approved for up to £12,000 to use for the product you wish to purchase. Use our Calculator on the product page to determine how much you can spend based on your monthly payments. The minimum priced item with credit available is £300.

Is a deposit required?

Yes, a minimum 10% deposit up to a maximum 50% deposit will need to be paid upon acceptance.

How are my monthly payments made?

All monthly payments are paid by direct debit from your personal bank account. Typically the first payment will be due one month after the date of the finance agreement and subsequent monthly payments will be due every month for the length of your term on that day of the month.

What can I buy on finance?

Anything on our website. Please remember that the minimum order value for finance is £300 and 0% finance is not available on sale or pre-owned items.

What length of repayment is available?

You can choose a 6, 12, 24, 36 or 48 month loan repayment period.

How do I Apply?

You can apply on our website, simply follow the checkout process and select Pay4later as a payment method.

Can I pay off my loan early?

You can settle your loan agreement at any time. Simply contact Pay4later and they will calculate and send you your settlement figure. Your settlement figure and date are calculated in line with the Consumer Credit Act.