Finance at First Class Watches

Will I be accepted for credit?

Your application may only be considered if:

• You are 18 or over, and employed at least 16 hours per week
• You have a good credit history with no late payments, debt relief orders, CCJs, IVAs or bankruptcies
• You are a permanent UK resident and able to supply a UK address history for the last 3 years
• You are not a student (unless employed at least 16 hours per week) or unemployed single house person
• We welcome application from retired individuals, in receipt of a private or company pension (aged 50 or over at date of application).

Please ensure your application is completed accurately to maximise the chances of your application being accepted. A decision will be made based on credit history available from credit bureaus as well as using public registers such as the electoral roll. Please note that meeting the above criteria does not guarantee finance acceptance.

How do I make a credit application?

To start your credit application add the product you wish to buy to your basket. On the shopping basket click "Info & Apply" on the finance section then choose "Apply Now" on your chosen finance product. You will then be asked to fill out your details such as your name, address history for the last 3 years, employment details and bank details for direct debit. This only takes a few minutes and in most cases an instant decision can be returned. Sometimes decisions may need to be referred for manual checks which may only be carried out during working hours. You will be notified of the decision by email once these are complete if this is the case. If your application is unsuccessful and you have already paid a deposit this will be refunded automatically within 3-5 working days.

What happens after I am approved?

If your application is successful, the finance lender will release the order to us and we will then send you confirmation of your order by email and ship your order in our next collection. Please note, sometimes the finance lender may which to make additional checks or contact you before the order is released to us. Please note this normally only happens during working hours but you will receive an email confirmation once the checks are completed.

My application was declined, why?

Unfortunately we are not given a reason by the lender so we are unable to comment on individual applications. If you believe your application should have been accepted please note that sometimes applications can be declined due to incorrect information being given. Please ensure your address history is entered correctly and is the same as registered with your bank and the electoral roll (if applicable). If you have paid a deposit this will be refunded automatically within 3-5 working days.

How are payments made?

Your initial deposit is payable by credit or debit card. Once your order has been shipped we will notify the credit lender. After this, your next payment is then taken automatically by direct debit for peace of mind approximately 30 days later. For more information please see your credit agreement.

First Class Watches, 9 Warwick Road, Kenilworth, Warwickshire CV8 1HD

We can introduce you to a limited number of finance providers: We act as credit broker and not a lender.

V12 Retail Finance Legal Information

First Class Watches Limited acts as a credit broker and not a lender who offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. First Class Watches Limited is authorised and regulated by the Financial Conduct Authority. Our FCA registration number is 688157. Credit provided subject to status and affordability.

PayPal Credit Legal Information

Subject to Status. Terms and Conditions apply

PayPal Credit and PayPal Pay in 3 are trading names of PayPal UK Ltd, Whittaker House, Whittaker Avenue, Richmond-Upon-Thames, Surrey, United Kingdom, TW9 1EH

The example below represents the typical costs of using PayPal Credit as a standard funding method. Interest on your instalment offer is fixed for its duration. See terms for more details.

Full Representative Example: Representative 23.9% APR (variable), Purchase interest rate 23.9% p.a. (variable), Assumed credit limit £1,200.00.