We can offer a variety of financing options to help spread the payments. Spend between £750 and £27,700 on a single product and you can choose to spread payments over 6, 12, 18, 24, 36 or 48 months, with a minimum deposit of 10% of the amount to finance.
Interest Free Credit
- This is an interest free loan with no arrangement fees.
- You repay the loan amount through equal monthly payments spread over the chosen repayment period.
During the loan application process, you will be asked for your personal information such as name, three-year address history, date of birth, email & telephone contact details and employment/income information. If you are accepted you will also need a credit or debit card registered to you at your address on the credit application so that the lender can carry out an electronic identity check.
With most applications, we expect that you will be given an acceptance or decline decision within 10-20 seconds. In some cases, the lender may return the decision as ‘referred’. You will then receive an email with further instructions once the underwriters have made a decision.
Once you are accepted by V12 Retail Finance you will be asked to sign a credit agreement via e-signature. Once in receipt of your purchase, V12 will activate your agreement and your monthly repayments will commence for the agreed term. We reserve the right to withdraw finance as a payment option from any products at any time. Finance is currently unavailable for all new Rolex, Tudor, Audemars Piguet and all pre-owned products.
If you have opted to pay with Finance, your order can only be delivered to the address on your credit agreement (your home address). You will not be able to have the goods shipped to an alternative address or opt for Click & Collect.
- Be at least 18 years of age.
- Have been a UK resident for 3 years or more.
- Be able to make repayments via direct debit.
- Be in regular employment* (minimum of 16 hours per week) including self-employment, or in a permanent residence with your spouse/partner who is in regular employment.
*If you are retired and receive a pension or registered disabled and unable to work, V12 Retail Finance may ask for proof of sufficient income.
RETURNS & CANCELLATION PROCEDURE
If you wish to return your order, please refer to our returns/cancellation policy. If we accept your return we will contact the lender to cancel the credit agreement. The cancellation cannot be processed if your return falls outside of our returns period.
DECLINED CREDIT APPLICATIONS
Applications are usually declined for reasons such as:
- you do not meet the eligibility criteria (see above);
- adverse credit reference agency information;
- your credit score;
- you are considered to be overcommitted; or
- your existing account performance with other lenders.
Bucherer acts as a credit broker and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance.
Secure Trust Bank is registered in England and Wales 541132. Registered office: One Arleston Way, Solihull, B90 4LH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration number: 204550.
Bucherer (The Watch Gallery Ltd) is registered in England and Wales 5209185. Registered office: 8-9 Frith Street, London, W1D 3JB. Bucherer is authorised and regulated by the Financial Conduct Authority.
you wish to return your order, please refer to our returns/cancellation policy. If we accept your return we will contact the lender to cancel the credit agreement. The cancellation cannot be processed if your return falls outside of our returns period.