Luxury Watches & Fine Jewellery on Finance
0% APR Finance on Fine Jewellery & Watches
Whether you're acquiring a luxury timepiece or the perfect piece of fine jewellery, investment decisions shouldn't be delayed by cash flow constraints. At New Cavendish Jewellers, we believe exceptional craftsmanship deserves to be accessible. Our interest-free finance options allow you to spread the cost across manageable monthly payments, no interest, no hidden charges, just pure luxury on your terms.
*Credit is provided subject to affordability, age and status. Minimum spend applies.
How It Works
Browse our curated collection:
- Watches: Swiss chronographs, mechanical divers, dress watches, sports watches, limited editions, and bespoke commissions
- Jewellery: Engagement rings, wedding bands, diamond and precious stone jewellery, statement pieces, and bespoke creations
Each product page clearly displays whether 0% APR finance is available, so you know your options before adding anything to your basket.
At checkout, you'll choose your preferred repayment
term, anywhere from 6 to 48 months. The moment you select your timeline, you'll
see exactly what your monthly payment will be, the total amount payable (which
remains the same as the purchase price at 0% APR), your deposit requirement,
and a complete payment schedule.
Provide basic personal details and we'll deliver an instant
decision. Once you're approved and we receive payment
confirmation, your order is carefully prepared and dispatched.
Eligibility
What You Need to Know
Our finance is available to UK residents aged 18 and over with a valid UK address, proof of income or employment, and an active bank account. The application process is designed to be as straightforward as possible, requiring only essential information.
Frequently Asked Questions
We are here to help
You can finance between £300 (after deposit) and £15,000. Your actual borrowing limit depends on your creditworthiness, income, and affordability assessment, which we will discuss during the application.
No problem. There are absolutely no early repayment penalties. You can pay off your finance whenever you want, many customers settle loans early with bonuses, tax refunds, or inheritances.
A hard search, visible on your credit history is standard practice in applications for finance. This occurs if you proceed to formal approval - how this may affect your credit score may vary.
A soft search performed independently by the applicant prior to a formal application will not affect a credit score.
Missed payments will prompt us to contact you for a solution. Maintaining your payment schedule is important to avoid extra charges or credit file impact. If facing financial difficulty, contact us immediately; we are here to work with you.
Yes, completely. Your 0% APR rate is fixed for the entire duration of your loan, regardless of any changes in market interest rates or broader economic conditions. Your rate will never increase.
Yes. You can purchase several watches or jewellery pieces and request a combined finance application, as long as the total value doesn't exceed your approved loan amount.
You'll typically need:
- Proof of identity: A valid passport or driving licence
- Proof of address: A utility bill or bank statement from the last three months
- Proof of income: Recent payslips or your tax return
We'll guide you through what's needed during the application.
Currently, our interest free finance programme is available exclusively to UK residents. However, international customers can still purchase using our standard payment methods.
Why New Cavendish Jewellers?
Authenticity & Expert Authentication: Every watch and jewellery item in our collection is thoroughly verified and comes with our certificate of authenticity. We guarantee the authenticity, movement accuracy, and condition of every timepiece.
Your Security Matters: Your payment details are protected with industry-leading SSL encryption. We never store your full card details on our servers. Your financial information is as carefully protected as your luxury purchase itself.
Complete Satisfaction Promise: Unhappy with your purchase? You have 30 days to return it for a full refund on full-priced items. Our finance agreements can be cancelled within 14 days of approval if you change your mind.
FCA-Protected Consumer Rights: Your finance provider is fully regulated by the Financial Conduct Authority. This means you have complete consumer protection and full recourse should any issues arise. You're not just buying a watch or piece of jewellery; you're buying peace of mind.
Finance Calculator
Enjoy interest free finance with monthly instalment plans *
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See the world of Watches & Jewellery from our perspective.
based on honesty, integrity and professionalism
An independent retailer | Our Family to Yours
Established in 1982, we pride ourselves on being able to showcase a wonderful selection of luxury Watch Brands and Jewellery under one roof. Located on London’s famous Marylebone High Street, our aim is to provide a bespoke service as only an independent retailer can. We welcome you to experience our expertise across watches, jewellery and the after sales of both at our Boutique.
Over forty years, we have built an extensive knowledge to underly the foundation of the service we aim to offer. Whether it is a luxury watch or piece of jewellery, batteries changes or jewellery repairs, we hope we can provide you with the best possible experience in our carefully cultivated environment.
As retail environments have evolved, our website offers a virtual selection of what we have in-store but naturally we would prefer you to enjoy our selections in the flesh and enjoy the full experience at our Boutique.