finance options
provided by V12 Finance

How To Apply For Finance

• Find the product you desire and click "Purchase This Timepiece" button.
• Within the shopping basket, select "Online Finance" as the payment method.
• Continue by clicking "Checkout" button. Follow the on-screen prompts for your instant online decision.

Finance Terms

In order to apply for credit, you must:

• Be at least 18 years of age and under 85 years of age.
• Be either:
1. in full time employment (i,e. 16 hours, or more, per week) or
2. self-employed or
3. retired and over 50 years of age or
4. in receipt of an invalidity or disability allowance.
• Have been a UK resident for 12 months or more.
• Be able to make repayments by direct debit
• Provide your previous address if you have lived at your current address for less than 3 years.
• Have an order value of over £350.00

Payments by direct debit, credit subject to status, written quotations available on request. Our finance is supplied by V12 Finance,market leaders in providing online finance.

Frequently Asked Question

How quickly will my application be processed?
In most cases you will know immediately if your application has been accepted or declined, however, credit applications can be referred and if this is the case you will be notified as soon as a decision has been reached.

If my application is accepted what happens next?
If your application for credit is accepted you need to sign and return the credit agreement to V12 finance. Your order will be despatched to you once V12 have recieved the signed application. You will normally be charged £25 service fee.

What is credit scoring?
Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies. This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion, disability or colour.

If I have been refused credit can I apply again?
We acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that we will automatically turn down a further request. We do suggest however, that you leave at least 9 months between applications.

Who is my finance with?
With www.V12finance.com who are owned by Clode Bank.

Who is eligible for finance with Jura Watches?
To apply for Finance with Jura Watches, you must be between the ages of 18 and 75*, and you or your partner must work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom* and have lived in the UK for the last three years or more. Unfortunately, we are unable to offer online finance to residents of Eire.

Why has my application been declined?
In addition to credit scoring, we also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though we are unable to provide you with a main reason for decline of your application, it is usually based on one, or a combination of the following:

Adverse credit reference agency information
Your credit score (note that every finance company will score you differently)
You are aged under 18
You are considered to be overcommitted
Your existing account performance with other lenders

What finance plans does Jura Watches offer?
Jura Watches Offers 3 finance plans:

Buy Now Pay Later - 12 Months

Interest Free Finance - 12 Months

36 Month Loan at 19.9% APR

What type of information do credit agencies hold about me?
Some of the information is public information, for example electoral roll, County Court Judgements and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.

Can I obtain a copy of the information credit agencies hold about me?
You should send a cheque for £2, made payable to the relevant company, together with details of all addresses at which you have lived over the last 6 years:

Consumer Help Desk Experian Limited PO Box 8000 Nottingham NG1 5GX

or

Equifax Department 1E PO Box 3001 Glasgow G81 2DT

You can also visit the companies websites to find out more about credit decisions:

http://www.experian.co.uk and http://www.equifax.co.uk

Can I have my order delivered to somewhere other than my home address?
In order to safeguard applications orders that are being paid for by finance can only be delivered to your home address.