Spread the cost with our interest free finance available online and in store.
Our simple finance options allow you to spread the cost of your watch over 24, 36 or 48 months.

Spend a minimum of £600
Place a minimum deposit of 10%
Minimum finance amount after deposit £600

Andrew Michael's Jewellers Limited is authorised and regulated by the Financial Conduct Authority and is the broker and not the lender. Our registration number is (FRN 700186). Andrew Michael's Jewellers Limited offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Credit is provided subject to affordability, age and status. Minimum spend applies. Not all products offered by Secure Trust Bank PLC are regulated by the Financial Conduct Authority.

How do I apply for finance?

You apply for finance by simply pressing the finance tab underneath the 360 degree image of the watch. This will then bring up the terms available. By changing your deposit it will change the price of each monthly payment. After deciding on your deposit select the length you would like finance for and press apply now. This will then proceed you to your shopping basket where you will need to press “proceed to checkout”. The next page will then proceed to ask you for you contact details and billing and delivery address, please note with finance agreements the product may only be sent to the billing address unless collected in store. Once you have typed in your information please scroll to the bottom of the screen and press pay by V12 Finance. This will then transfer you to the V12 gateway where you will need to answer a few of their questions before they decide whether to accept or reject your application. Once accepted you will receive a call from us to take your deposit over the phone.

Are all watches available on finance?

Yes, all watches are available on finance. The finance varies depending on the watch to whether it is available at 0% APR or 9.9% APR. This is at the retailers discretion to what percentage APR the watch is available at.

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. 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 (AMJ Watches) 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. Note that products will not be allocated to your order until your completed and signed agreement is returned and received by V12 Finance. Shipment of your goods will follow soon after your agreement has been returned to our finance company.

Will you 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. This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.

If you decline my application, what is the reason?

In addition to credit scoring, we 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.

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 this information?

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 via 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 we have refused a previous application, it does not mean that we'll automatically turn down a further request. We do suggest however, that you leave at least 6 months between applications.

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, 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, we are unable to offer online finance to residents of Eire. Homemakers aren't excluded from applying under their own names; however we will require the employment details of your spouse in order to process your application.

Are you a trusted watch dealer?

Yes we are, we have been an independent jewellers and watch distributor for over 35 years. We are authorised to sell many major brands such as Breitling, Tag Heuer, Hublot and many more. There are certain brands we are not authorised for but can provide as we purchase the watches from an authorised dealer, these include Rolex, Omega, Panerai and more.

I have seen a watch that I like but it is not on your website are you able to source this?

Any watch that you take an interest to we can try and source for you. There are some watches that we have in stock but do not currently have on our website so always feel free to contact us and ask if we have the watch. If not then we will try our hardest to get this watch in stock for you and if we are unable to get the watch will try and supply you with alternatives.

What happens if I purchase a watch online and do not like it upon receival?

We have a 14 day returns policy so If upon receiving your watch you are not entirely happy then it can be sent back to us for a refund or exchange. Providing you have not been wearing the watch or damaged it in any way.

Where is your shop based and do you have more than one?

We have one shop that is based in Newark, Nottinghamshire. Please see our contact us page details for directions and the exact address.

Do you accept part exchanges?

Yes we do accept part exchanges. Please contact us with information of your watch, pictures of your watch and the watch of ours you are interested in of ours, then after we can get back to you with a part exchange price.