Luxury Watches & Fine Jewellery on Finance

Q: What documents do I need to provide?

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.

0% 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.

Designed for the Discerning Buyer

Get your dream watch or jewellery hassle-free with our 0% finance program.

Complete Transparency

0% APR on all qualifying purchases with fixed monthly payments and no extra fees.

Tailored Flexibility for Your Lifestyle

Choose flexible payment terms from 6-36 months, with a 5% deposit and loan values up to £40,000.

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% finance is available, so you know your options before adding anything to your basket.

Step One: Choose Your Piece

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% finance is available, so you know your options before adding anything to your basket.

Step Two: Select Your Payment Plan

At checkout, you'll choose your preferred repayment
term, anywhere from 6 to 36 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.

Step Three: Complete Your Application

Provide basic personal details and we'll deliver an instant
decision. We use a soft credit search to determine your eligibility, this won't
affect your credit score. 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.

What's Covered

We offer 0% finance on all full-priced items valued over £500:

Watches: Luxury mechanical timepieces, Swiss chronographs, sports watches and divers, dress watches and complications, limited editions, and bespoke/custom commissions
Jewellery: Engagement rings and bridal sets, diamond and precious stone jewellery, and bespoke/custom commissions

This applies to the vast majority of our collection, ensuring choices across every category.

What's Not Covered

Finance is not available on:

Sale or discounted items (with limited exceptions on selected reduced stock)
Pre-owned or vintage items (unless specifically listed as eligible)
Gift cards
Certain branded designer pieces

We'll clearly indicate availability on each product page.

An Example

To illustrate how our finance works:

Watches: If you purchase a timepiece valued at £3,500 and choose a 24-month repayment plan with a £175 deposit, your monthly payment would be £137.50.
Jewellery: If you purchase a piece valued at £2,000 and choose a 24-month repayment plan with a £100 deposit, your monthly payment would be £79.17. You'll pay exactly £2,000 in total, nothing more, at 0% APR.

Frequently Asked Questions

We are here to help

What's the minimum and maximum I can borrow?

You can finance between £500 (after deposit) and £40,000. Your actual borrowing limit depends on your creditworthiness, income, and affordability assessment, which we will discuss during the application.

Can I pay off my loan early without penalty?

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.

Will applying for finance damage my credit score?

Our eligibility check uses a soft credit search, which doesn't affect your credit score. A hard search, visible on your credit history (standard practice, often viewed positively by lenders), occurs only if you proceed to formal approval.

What happens if I miss a payment?

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.

Is my interest rate locked in?

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.

Can I purchase multiple items under one finance agreement?

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.

What documents do I need to provide?

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.

Is finance available for customers outside the UK?

Currently, our 0% finance programme is available exclusively to UK residents. However, international customers can still purchase using our standard payment methods.

Jewellery

Watches

Jewellery

Watches

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 0% interest with monthly instalment plans from as little as £320.63/month

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.