Interest Free Credit

3 YEARS INTEREST FREE CREDIT AVAILABLE ONLINE

0% APR REPRESENTATIVE

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 3 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.

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


Fraser Hart Limited acts as a broker and not the lender and only offers finance from Secure Trust Bank PLC T/A V12 Retail Finance. Fraser Hart Limited is authorised and regulated by the Financial Conduct Authority, Registration Number 710549. Not all products offered by Secure Trust Bank T/A V12 Retail Finance are regulated by the FCA. Subject to age, status and affordability, minimum spend applies.

Read 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 for the purchase of Fraser Hart gift cards. Reduced/sale/promotional items purchased online are eligible for interest-free credit with a maximum loan term of 12 months.

MINIMUM SPEND

LOAN TERM (MONTHS)

MINIMUM DEPOSIT (10%)

£500

6

10%

£500

9

10%

£500

12

10%

£500

18

10%

£750

24

10%

£750

36

10%


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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

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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

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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 once your finance application has been approved by V12 Retail Finance.


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 four 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 V12 Retail Finance. Subsequently, the delivery timeframes will vary for credit applications. 


4. Applying for Finance

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 then be taken to V12 Retail Finance’s website who are our finance partner. V12 Retail Finance are Fraser Hart’s exclusive provider of finance online and are authorised and regulated by the Financial Conduct Authority (FCA).

Once your finance application has been approved, you will be required to pay your deposit, prior to e-signing your finance agreement with V12 Retail Finance.


5. 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.


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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 V12 Retail Finance Customer Service team directly on 02920 468 912 Monday to Friday 9.00am to 5:00pm.

Interest free credit is available on fully priced jewellery and watch purchases over £500+. Please note, Interest Free Credit is not available for the purchase of Fraser Hart gift cards. Reduced/sale/promotional items purchased online are eligible for interest-free credit with a maximum loan term of 12 months.
Should you wish to return/exchange an item purchased online by Interest Free Credit, please contact our Customer Happiness Team. Orders paid for by Interest free credit can not be returned/exchanged in stores.
Refer to our step by step guide to use our Finance option.
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 3 years or more. Unfortunately, V12 Retail Finance and subsequently Fraser Hart are unable to offer online finance to residents of Eire.
Interest free credit orders must be sent to your billing address 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 be transferred to our finance partner’s website V12 Retail Finance to complete your credit application, if approved you will then pay your deposit. Once you have completed the finance credit application you will be taken back to the Fraser Hart website. V12 Retail Finance 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. 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.
Within minutes of your application being approved, you will be presented with the option to e-sign your credit agreement by V12 Retail Finance. 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. Please note, that products will not be allocated to your order until your completed and e-signed agreement is completed . The despatch and delivery of your order goods will follow soon after your agreement has been completed.
The deposit will be taken once your finance application has been approved by V12 Retail Finance.
Your monthly repayments to V12 Retail Finance will begin one month after your purchase has been delivered. For specific queries related to payment arrangements please contact V12 Retail Finance Customer Service team directly on 02920 468 912 Monday to Friday 9.00am to 5:00pm.
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 V12 Retail Finance Customer Service team directly on 02920 468 912 Monday to Friday 9.00am to 5:00 pm.
Yes, you can repay your loan at any time. Please contact V12 Retail Finance Customer Service team directly on 02920 468 912Monday to Friday 9.00am to 5:00pm, to discuss potential options for repaying a loan early.
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.
The decision to decline your credit application is made by V12 Retail Finance and is not under our control. In addition to credit scoring, V12 Retail Finance 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 Your existing account performance with other lenders Please rest assured that the decision to decline your application is known only to yourself and V12 Retail Finance, Fraser Hart and not anyone outside the organisation. Please read the email from V12 Retail Finance carefully, which provides further information and details of how to appeal against the decision and how to contact V12 Retail Finance for further information.
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.
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.
Yes. We acknowledge that your circumstances change and just because V12 Retail Finance have refused a previous application, it does not mean that V12 Retail Finance will automatically turn down a further request. V12 Retail Finance do suggest however, that you leave at least 6 months between applications.
In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant. 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 V12 Retail Finance 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 V12 Retail Finance to process your credit application, we are unable to meet our delivery timescales. Once your application has been approved and confirmed to us by V12 Retail Finance we will inform you when your order will be delivered. Please note, Express delivery is not available for purchases made using Interest free credit. Fraser Hart Limited acts as a credit broker and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Fraser Hart is authorised and regulated by the Financial Conduct Authority, registration number 710549. Credit provided subject to age and status.

Our goal is to ensure that every shopping experience with us is excellent. If you ever encounter an issue with our service or our finance partners, please inform us via our contact us page so that we can address it promptly. If you are dissatisfied with our response and your agreement is regulated by the Financial Conduct Authority, you have the right to refer your complaint to the Financial Ombudsman Service, free of charge, but you must do so within six months of the date of the final response or 8 week holding letter. Further information and contact details can be found on https://www.financial-ombudsman.org.uk.
Interest Free Credit Frequently Asked Questions