Interest Free Credit

Forum Jewellers are delighted to offer interest free credit at 0% finance.

Who Is This Service For?

Interest Free Credit is available to all UK Citizens or those permanently resident in the UK.
Applicants must be over 18 years old.

How Much Can I Have?

New Stock

The minimum sale required to obtain interest free credit is £350.00 - this can be on a single item or multiple items.
The maximum limit is £5000.
Payment may be made over a period of between 6 and 12 months.

Second Hand Stock

The minimum sale required to obtain interest free credit is £1,000.00 on a single item.
Payment may be made over a period of 6 months only.

Sale Items

Interest free credit is not available on sale items.

What Do I Need To Do To Apply?

Choose the item you wish to purchase and advise the member of staff you wish to purchase the item on Interest Free Credit.

A 20% deposit is required. This must be taken on either a credit card or a bank debit card.

Bank details and two proofs of identity in addition to the deposit credit card will be required - a driving licence, passport or additional bank card are appropriate.

Choose the payment period between 6 and 12 months (new stock).

An application form is completed and processed. This is then subjected to a credit reference search which must be satisfactory. Although every endeavour is made to apply for the credit reference immediately, during busy periods it may take up to 2 hours for the credit reference to be carried out.

How Do I Pay?

Payments will be made by monthly direct debit over the period agreed.

About Your Loan

The loan is unsecured.
Any enquiry by a customer concerning a declined application must be made in writing to the Chartered Trust Retail New Business Centre at the Central Office of Chartered Trust, address available on request. No information regarding declines is issued to Forum Jewellers.

Example of Interest Free Credit

18ct Gold Diamond Ring Retail Price £1,500.00
Less 20% Deposit payable on Credit Card £300.00
Balance £1,200.00

£1,200.00 ÷ 6 months payment period = £200.00 per month