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Finance Information

Interest Free Credit

Spread the cost of your jewellery or watch purchase

Ramsdens offer a range of finance options including 6 months interest free credit & 12 months interest free credit, so you can spread the cost of your jewellery or watch purchase over a period that suits you with Close Brothers Retail Finance.

Available over 6 months interest free, 12 months interest free or 24 months at 14.9% APR, you could spend a little extra per month in order to buy a higher-end item of jewellery or luxury watch from brands including Rolex, Tag Heuer, Omega and more.

What payment plans are available?

We offer 6 months interest free credit & 12 months interest free credit to all customers who spend at least £400 after deducting a minimum 10% deposit of the total goods value. Subject to status. Note: Alternative finance terms may be offered to you if your initial selected term is declined.

Payment plan options available online is as follows:


Minimum Purchase*Monthly PaymentsAPRMinimum DepositMaximum Deposit

6 Months 0% APR


12 Months 0% APR

£400120%10% 50% 

24 Months 14.9% APR

£7502414.9%10% 50% 

 *After deducting a minimum 10% deposit of the total goods value.

6 Months Interest Free Finance Representative Example:

Representative APR


Total Amount of Credit


10% Deposit


6 Monthly Payments


Total Amount Payable




12 Months Interest Free Finance Representative Example:

Representative APR


Total Amount of Credit


10% Deposit


12 Monthly Payments


Total Amount Payable




24 Months 14.9% APR Finance Representative Example:

Representative APR


Interest Rate (Fixed)

7.59% p.a. equivalent to 0.63% per month

Total Amount Payable/Purchase Price


Deposit (min. 10%)


Credit Amount


Duration of Agreement24 months
24 Monthly Payments of£32.40

Total Amount Payable


How to apply for finance

Simply add an item that takes your basket value to an amount greater than £400 after deducting your minimum 10% deposit. When you proceed to checkout, simply select ‘Pay on finance’ as your payment method. You will then progress to the online finance application screen. The online application process can be completed within minutes and you will then be given an instant decision.

What you’ll need to apply

To apply for finance you must meet the following criteria:

  • You must be over 18 years of age
  • You must be a UK resident with at least 3 years continual address history
  • You must have a UK bank account capable of accepting Direct Debits
  • You must be in full time employment, unless retired or a house person with a spouse in full time employment
  • The goods must be delivered to your home address (registered billing address)

Frequently Asked Questions

How much can I borrow?

You may borrow up to £25,000. Use our Calculator on the product page to determine how much you can spend based on your monthly payments. The minimum priced item with credit available is £400.

Is a deposit required?

Yes. A minimum 10% deposit will need to be paid upon acceptance.

How are monthly payments made?

All monthly payments are paid by direct debit from your personal bank account. Typically the first payment will be due one month after the date of finance agreement and subsequent monthly payments will be due every month for the length of your term on that day of the month.

What can I buy on finance?

At Ramsdens you can buy jewellery on finance and watches on finance. (Subject to status. Terms & Conditions apply). Please remember that the minimum order value for finance is £400 after deducting a minimum 10% deposit of the total goods value.

What happens next?

Once you have completed the credit application with Close Brothers you will be notified via e-mail and/or SMS whether you have been accepted, declined or if you need to provide additional information in order for Close Brothers to make their decision. Once you have been accepted you simply need to pay the deposit and complete the agreement online. One of our team will then contact you during working hours (Monday - Friday 9am till 5pm) to arrange a suitable date and time for delivery.

Close Brothers Retail Finance is a trading name of Close Brothers Limited. Close Brothers Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. For more information please visit Finance is only available to UK residents over 18, subject to status, terms and conditions apply. Close Brothers Limited has its registered office at 10 Crown Place, London, EC2A 4FT.