Interest Free Credit

0% Interest is available on all orders £280 and over

We are pleased to offer our customers up to 30 months interest free credit terms on all orders of £280 or more.
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 apply for interest free credit by selecting this method of payment at the final stage of the checkout process.


What Do I Need To Apply?

To apply for finance you must meet the following criteria:

    -    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.
    -    You must have a valid Debit or Credit card registered in your name and to the home address on the application form in order to pay your deposit.


What length of Interest Free Credit can I apply for?

The maximum term length for interest free credit depends on the total amount of the order. These variations are laid out below:

    -    £280+ = 10 month finance available
    -    £500+ = 10 or 20 month finance available 
    -    £750+ =  10, 20 or 30 month finance available 


Why is Interest Free Credit an advantage?

    -    Buy the jewellery you always wanted with just a 10% deposit.
    -    Spread the cost with easy manageable monthly payments.
    -    Instant online decisions with eSign paperless process.
    -    Leaves you with extra cash by spreading the cost.
    -    Fixed Payments - your payments are fixed for the duration of the agreement allowing you to budget more effectively.



Frequently Asked Finance Questions

How much can I borrow?

When checking out, just complete the easy online application form that you’ll receive from V12 Retail Finance and you can be approved instantly for up to £15,000 to allow you to purchase the watch or piece of jewellery that you’ve been dreaming of, and pay for it in easy manageable installments.

Is a deposit required?

Yes, a minimum 10% 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 delivery of your goods, subsequent monthly payments will be due every month for the length of your agreement.

What type of goods can I buy on Finance?

Anything on our website. Please remember that the minimum order value for finance is £280.

How Do I Apply?

Choose the Interest Free Credit option at the checkout. V12 will send you a link to their secure server where you can process your application and get an instant decision and complete your finance agreement by eSigning. This process eliminates the need for any paperwork; saving you time and means we can send your goods quicker.

Can I Pay Off My Loan Early?

You can settle your loan agreement at any time. Simply contact V12 Retail Finance and they will calculate and send you your settlement figure. Your settlement figure and date are calculated in line with the Consumer Credit Act.


Can I Cancel an Order Financed by Interest Free Credit?

Orders placed using the Interest Free Credit option are subject to a 14-day cooling off period in which the IFC can be cancelled with V12 Retail Finance. Customers wishing to return an order that has been financed using interest free credit should contact Chapelle Jewllery customer services and V12 Retail Finance as soon as possible to make them aware and to discuss the process. Returns or exchanges outside of this period are only possible in exceptional circumstances and customers should contact the customer service team at who will do all they can to assist and advise. This does not affect the customer's statutory rights.


Interest Free Credit now available

Consumer credit service provided by V12 Retail Finance. V12 Retail Finance is licensed by The Office of Fair Trading (Consumer Credit Licence: 0594229). For more information please refer to our frequently asked questions or visit