Free UK Express Delivery on orders over £200

Interest Free Credit

4 years Interest Free Credit Available Online 0% APR Representative

Interest Free Credit

Spread the cost of your special purchase with our Interest FREE credit finance available in-store and online. Whatever your style, whatever the occasion, you’re sure to find just the right piece of jewellery at Fraser Hart and with our Interest FREE credit you have the option of spreading the cost over a period that suits you.

All you need to do is spend a minimum of £500 and choose from a minimum payment term of 6 months to 4 years, depending on the value of your item(s). With a minimum deposit value from as little as 10%, Interest FREE credit makes those bigger purchases more affordable. If you’d like to opt for a longer term, please visit any of our Fraser Hart stores, where you can explore IFC options over 5 years.

There are no interest charges, no early settlement charges and the application process is a simple straight forward process online.

Credit subject to status and affordability. Terms & Conditions Apply. Fraser Hart 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.

See Terms & Conditions

COMPLETING AN INTEREST FREE CREDIT APPLICATION ONLINE

Applying for Interest FREE Credit online is simply and easy with our secure checkout. Follow the step by step guide below. To apply for Interest FREE credit in-store, ask a member of staff in-store for details.

The tables below are representative examples of how much monthly repayments will be based on a total order value. Additionally, the table below shows the minimum spend and deposit amounts.

Please note, Interest FREE credit is not available on reduced/sale/promotional items online. Interest free credit is not available for the purchase of Fraser Hart gift cards.

Minimum spendLoan term (months)Minimum deposit (10%)
£500 6 10%
£500 9 10%
£500 12 10%
£500 18 10%
£750 24 10%
£750 36 10%
£1000 48 10%
 
  • EXAMPLE
    based on 12 months Interest FREE Credit
    Cash price £599
    Deposit (10%) £59.90
    0% APR Representative
    -Interest rate 0% fixed
    -Number of payments 12
    -Monthly payment £44.92
    -Total amount payable £599
  • REPRESENTATIVE EXAMPLE
    based on 24 months Interest FREE Credit
    Cash price £1,550
    Deposit (10%) £155
    0% APR Representative
    -Interest rate 0% fixed
    -Number of payments 24
    -Monthly payment £58.12
    -Total amount payable £1,550
  • EXAMPLE
    based on 36 months Interest FREE Credit
    Cash price £2,800
    Deposit (10%) £280
    0% APR Representative
    -Interest rate 0% fixed
    -Number of payments 36
    -Monthly payment £70
    -Total amount payable £2,800

1. Use the Interest FREE credit finance calculator

Choose the special gift that you’d like to purchase. From the product page, you can use the Finance Calculator to help you choose the payment term and deposit amount that are right for you. Please note, the payment term is variable on the value of the product that you choose. Please note, the minimum deposit amount is 10% which is required to be paid up-front as part of your credit application. You will then be shown the loan terms with your chosen deposit. 

2. Add to your Shopping Bag

Add your chosen product to your Shopping Bag. 

3. Proceed to Checkout

Select ‘Proceed to secure checkout’ to purchase your chosen product(s). Within Checkout you’ll need to complete the five steps. Existing customers can log in to their account and new customers have the option to Checkout as a guest or to create an account. Enter the requested information about yourself including your billing address and select your preferred method of delivery. Please note: your order will only be despatched once your order and credit application have been accepted by Hitachi Capital UK Plc. Subsequently, the delivery timeframes will vary for credit applications. 

4. Making your payment

You will be presented with the payment options. Select to ‘Pay in monthly instalments with 0% Interest FREE Credit’. Once you have confirmed your order you will be taken to the payment page to enter your payment card details to pay for your deposit. Your payment will be charged at this point prior to your credit application. 

5. Applying for Finance

Once you have entered your card details and selected the ‘proceed’ button. You will then be taken to Hitachi Capital’s website who are our finance partner. Hitachi Capital are Fraser Hart’s exclusive provider of finance online and are authorised and regulated by the Financial Conduct Authority (FCA).


COMPLETING AN INTEREST FREE CREDIT APPLICATION IN-STORE

Please visit one of our Fraser Hart stores to find out more about Interest FREE credit in-store. You can apply for Instant FREE credit in-store for an immediate decision.

FREQUENTLY ASKED FINANCE RELATED QUESTIONS

Below are some of the most commonly asked questions regarding finance online. If you cannot find the answer you are looking for in our FAQs, please contact us directly. For specific queries related to a credit agreement, application or payment arrangements please contact Hitachi Capital Customer Service team directly on 0344 375 5500 Monday to Friday 8.45am to 7.30pm, Saturday 8.45am to 12 midday.

What can I buy with Interest FREE credit?

Interest FREE credit is available on jewellery and watch purchases over £500+.

Please note, Interest FREE Credit is not available for the purchase of Fraser Hart gift cards, Rolex watches and sale/promotional items.

Can I return an item paid for by Interest FREE credit?

Orders paid for by Interest FREE credit can be returned as part of our standard returns policy. View our returns information for full details.

How do I choose to pay by Finance?

Refer to our step by step guide to use our Finance option.

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 in a permanent job, 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, Hitachi Capital and subsequently Fraser Hart are unable to offer online finance to residents of Eire. Homemakers aren't excluded from applying under their own names; however Hitachi Capital will require the employment details of your spouse in order to process your application.

Applying for online finance
  • · Interest FREE credit orders must be sent to your billing address, or to a Fraser Hart store, so please ensure this is selected in the ‘Delivery Details’ section of Checkout.
  • · Within Checkout, select ‘Pay in monthly instalments with 0% Interest FREE Credit’ from the list of payment methods and you’ll be presented with the Finance calculator. Use the calculator to choose the payment terms and deposit amount that are right for you.
  • · You will then proceed to payment to pay your deposit and thereafter you will be transferred to our finance partner’s website Hitachi Capital to complete your credit application. Once you have completed the finance credit application you will be taken back to the Fraser Hart website. Hitachi Capital exclusively provide finance for Fraser Hart online and are authorised and regulated by the Financial Conduct Authority (FCA).
  • · The whole process only takes a few minutes and is simple and secure. Once your finance application is approved, you will receive an email advising you of how to download the finance agreement. Please read this carefully checking that all the details are correct, then either e-sign the agreement, if offered, or print and sign the finance agreement twice. Post the document to the address shown on the finance agreement.
  • · As soon as we receive confirmation that your agreement has been finalised, we will process and despatch your order as quickly as possible.
  • · You’ll receive a confirmation of despatch.
  • · When your order is on its way, we will email you with a tracking reference for orders for direct delivery or to let you know when your order is available for collection in a Fraser Hart store.
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 by Hitachi Capital. 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 Fraser Hart 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.

Please note, that products will not be allocated to your order until your completed and signed agreement is returned and received by Hitachi Capital. The despatch and delivery of your order goods will follow soon after your agreement has been returned to Hitachi Capital UK Plc.

When is the agreed deposit taken?

The deposit will be taken at the point of successfully entering your payment detail into the payment page, prior to your credit application. If your credit application is subsequently declined you will be refunded your deposit amount which typically takes 7 working days.

When do my repayments start?

Your monthly repayments to Hitachi Capital will begin one month after your purchase has been delivered. For specific queries related to payment arrangements please contact Hitachi Capital Customer Service team directly on 0344 375 5500 Monday to Friday 8.45am to 7.30pm, Saturday 8.45am to 12 midday.

Are there any arrangement fees or hidden extras for credit?

No. There are no arrangement fees or hidden extras. The monthly instalments are equal amounts and there are no early repayment fees. For specific queries related to payment arrangements and a credit agreement please contact Hitachi Capital Customer Service team directly on 0344 375 5500 Monday to Friday 8.45am to 7.30pm, Saturday 8.45am to 12 midday.

Can I repay my loan earlier?

Please contact Hitachi Capital Customer Service team to discuss potential options for repaying a loan early on 0344 375 5500 Monday to Friday 8.45am to 7.30pm, Saturday 8.45am to 12 midday.

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.

If you decline my credit application, what is the reason?

The decision to decline your credit application is made by Hitachi Capital and is not under our control. In addition to credit scoring, Hitachi Capital 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

Please rest assured that the decision to decline your application is known only to yourself and Hitachi Capital UK Plc, Fraser Hart and not anyone outside the organisation. Please read the letter from Hitachi Capital carefully, which provides further information and details of how to appeal against the decision and how to contact Hitachi Capital for further information.

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.

How do I obtain a copy of the credit information held about me?

You should send a cheque for £2.00 made payable to the relevant company, together with details of all addresses at which you have lived over the last 6 years:

  • · Consumer Help Desk, Experian Limited PO Box 8000 Nottingham NG1 5GX
  • · Equifax Ltd., Credit File Advice Centre. PO Box 1140. Bradford, BD1 5US
  • · Consumer Services, Callcredit Limited, PO Box 491, LEEDS, LS3 1WZ

The above listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.

If my application is not successful, can I re-apply?

Yes. We acknowledge that your circumstances change and just because Hitachi Capital have refused a previous application, it does not mean that Hitachi Capital will automatically turn down a further request. Hitachi Capital 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 or to a Fraser Hart store. See full information about our Buy & Collect service and conditions of use. Unfortunately, we are unable to deliver interest free credit items for Express delivery the next day. Once your application has been approved and confirmed to us by Hitachi Capital UK Plc we will inform you when your order will be delivered.

Do your normal delivery timeframes apply for orders paid using Interest FREE Credit?

In order for Hitachi Capital UK Plc to process your credit application, we are unable to meet our delivery timescales. Once your application has been approved and confirmed to us by Hitachi Capital UK Plc we will inform you when your order will be delivered. Please note, Express delivery is not available for purchases made using Interest FREE credit.

Credit subject to status and affordability. Terms & Conditions Apply. Fraser Hart 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.