Free phone: 0800 862 0330 - Monday-Friday 9:30am to 5:00pm | Contact us

Finance Information

afforditnow logo

Finance at for Orders between £100 and £4,000

To help spread the cost of purchasing your watch we have teamed up with afforditNOW finance to help spread the cost of purchase with repayment plans for up to 36 months!

green tick Quick and easy online application (no paperwork)
green tick Pay only the fixed deposit of £9.99 today using debit/credit card only if approved
green tick Spread the cost over up to 36 months or 6 months interest free

afforditNOW offers a range of finance products depending on the product value

  • Flexible Finance (£100 to £1000) - Select the payment terms to suit you and wait up to 3 months to start paying.
  • Classic Finance (£300 to £4000) - Fixed monthly payments set over a set term of 12, 24 or 36 months.
  • 6 Months Interest Free (£1000 to £4000) - Payment holiday of 6 months. Pay off the loan within that period and just pay a one time settlement fee

It's Easy to Apply

Simply choose your goods and select afforditNOW finance at checkout.

The online application takes just a few minutes and you'll receive an instant decision.

Representative Examples

Flexible Finance over 12 months

Price: £421.00
Pay Today: £9.99
Deposit: £0.00

Loan Amount: £421.00
Cost of Credit: £484.75
Total Repayable: £494.74

Payment Holiday: 1 Month
No. of Payments: 11 Months
Monthly Payment: £44.07
APR: 35.7%
Interest Rate: 26.3%

19.9% Finance over 24 months

Price: £421.00
Deposit: £9.99

Loan Amount: £411.01
Cost of Credit: £85.99
Total Repayable: £506.99

No. of Payments: 24 Months
Monthly Payment: £20.71
APR: 19.9%
Interest Rate: 18.3%

Buy Now Pay Later in 6 months

Option 1:
Price: £421.00
Deposit: £9.99
Loan Amount: £411.01
Settlement Fee: £35.00
Buy Now, Pay In: 6 months
Total Repayable: £456.00

Option 2:
Price: £421.00
Deposit: £9.99
Loan Amount: £411.01
Cost of Credit: 184.54
Total Repayable: £605.54
No. of Payments: 24 Months
Monthly Payment: £24.82
APR: 29.9%
Interest Rate: 26.45%


  • 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, CCJ's, IVA's 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 'afforditNow logo, checkout with finance'. 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 you will be asked to make either a service charge of £9.99 taken while applying with afforditNOW using credit or debit card. We will then send you confirmation of your order by email and ship your order in our next collection.

    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. Payments are then taken automatically by direct debit for peace of mind either after your payment holiday when using afforditNOW. For more information please see your credit agreement.

    Who should I contact if i have questions about my payments?
    For all payment queries please call Paybreak Customer Services - 0333 444 224 Legal Information


    Loans available to permanent UK residents aged 18 and over. Subject to status.

    afforditNOW is a suite of products offered by PayBreak Limited, a company authorised and regulated by the Financial Conduct Authority.
    PayBreak Limited is a UK registered company, registration number 7440512 with registered offices at Floor 1, The Bloc, Ashley Road, Altrincham, WA14 2DW.