Watches on 0% finance | AMJ Watches


Andrew Michael Jewellers Limited (trading as AMJ Watches) in its role as a credit broker (not the lender) can introduce you to a loan from Clydesdale Financial Services Limited (trading as Barclays Partner Finance) to cover the cost of the watch. Minimum loan value £350. Min spend and eligibility criteria applies, subject to application financial circumstances and borrowing history.

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Finance Calculator

The calculator below shows you the loan terms that are available at 0% APR and the monthly payments arising based on a loan for the full amount of different priced watches.

To apply for finance you must:

. Be at least 18 years old;

. Have been a UK resident for three years or more;

. Be in full time work (16 hours or more per week), retired, or in receipt of disability allowance;

. Earn at least £6,000 per annum;

. Have a mobile phone number and an e-mail address;

. Have a UK bank account from which direct debits can be taken;

. Have no outstanding County Court Judgments (CCJs)

The minimum spend for finance on watches is £350.

Representative APR 0% (fixed) This calculator is to help you plan your finances and does not constitute a final agreement. Credit is subject to application, financial circumstances and borrowing history.

Representative Example

Cash price of product Advance Payment (Deposit) Loan amount Term of loan Monthly repayment Total amount payable (including deposit) Rate of interest Representative APR
£3,000 Nil £3,000 60 months £50 £3,000 0% (fixed) 0% (fixed)

Barclays Eligibility Checker

You can use the Barclays Partner Finance Eligibility Checker to find out if you are likely to be accepted for a loan through Barclays Partner Finance without affecting your credit score. Credit is subject to application, financial circumstances and borrowing history. See some frequently asked questions below.

Go to the Barclays Eligibility Checker

Frequently asked questions about the Barclays Partner Finance eligibility check

Will checking my eligibility affect my credit score?

No, the check we carry out won't impact your credit score. Instead, it will show up on your credit file as a soft search, but it won't be visible to other lenders.

Why do you need my personal data?

Your personal data will be used to make an assessment to indicate whether you are likely to be approved for finance with Barclays partner finance. Your details are shared with credit reference agencies and fraud prevention companies, who help us carry out our quotation searches. For more information on how we use, store and look after your data, please see our privacy policy.

How accurate are the results of the Barclays Partner Finance Eligibility check?

In most cases the results of the Barclays Partner Finance Eligibility Checker are accurate, ensuring your details are correct increases the chances of an accurate result. The additional checks we carry out for a full application can sometimes lead to a different decision. While this can be frustrating, these checks are important to ensure we're lending responsibly.

Why are you sometimes unable to provide a decision?

The Barclay's Eligibility check only does a soft search, so there's no impact to your credit score. Occasionally, this search is not enough to provide a decision. If you decide to go ahead with a full application, we'll do further checks which could affect your credit score. There's also a chance you won't be approved.

Can I still complete an application if the Barclays Partner Finance Eligibility Check tells me I'm unlikely to be approved?

Yes, you can. However, bear in mind that this involves doing a full credit check and there's a chance you may not be approved. No information is shared on the outcome of an application decision with credit reference agencies, but a hard search can impact on your score. On some occasions, we may also contact you for more information to support your application.

Does a positive outcome mean I'll definitely be approved for finance?

The Barclay's Eligibility Check result is based on a soft search and doesn't guarantee that you'll be approved. It's important to bear in mind that what we show is only an indication that we may be able to offer you finance. To get a definitive answer you'll need to provide more details by completing a full application. Credit is subject to application, Financial Circumstances and borrowing history.

I'm Eligible, what does this mean?

Getting an "eligible" response is an indication you are likely to be approved for finance as long as the amount you are financing is affordable and the full application checks are satisfactory. We have based the Eligible result on an average loan amount and term. Barclays Partner Finance Eligibility checker results may vary if used with other retailers.

How do I continue with my application after using the Barclays Partner Finance Eligibility check?

To continue, simply add the item(s) to your basket and choose to pay with Barclays Partner Finance at the checkout. We'll need to take a few more details from you to complete a full application.

What is a Representative APR?

A representative APR is the APR at or below which we (Barclays Partner Finance) reasonably expect to offer to at least 51% of the credit agreements which will be entered into with us via AMJ Watches

Why are Experian involved in the Barclays Partner Finance Eligibility Checker?

Experian are a well-known credit reference agency, they provide and manage the Barclays Partner Finance Eligibility Checker service on behalf of Barclays Partner Finance so that we (Barclays Partner Finance) can assess if you are likely to be eligible for finance. For details on how and why your data is used in relation to the Barclays Partner Finance Eligibility Checker please view our Privacy Policy.

Other FAQs

How do I complete a full application?

You apply for finance by simply pressing the finance tab underneath the 360 degree image of the watch. This will then bring up the loan terms available. By changing your deposit it will change the price of each monthly payment. After deciding on your deposit select the length you would like finance for and press apply now. This will then proceed you to your shopping basket where you will need to press “proceed to checkout”. The next page will then proceed to ask you for you contact details and billing and delivery address, please note with finance agreements the product may only be sent to the billing address unless collected in store. Once you have typed in your information please scroll to the bottom of the screen and press pay by Barclays Partner Finance. This will then transfer you to the Barclays Partner Finance system where you will need to answer a few of their questions before they decide whether to accept or reject your application. Once accepted you will receive a call from us to take your deposit over the phone.

Are all watches available on finance?

Yes, all watches are available on finance. The loan term available at 0% depends on the price of the watch.

If my application is approved, what happens next?

Within minutes of your application being approved, you will be presented with the option to e-sign your credit agreement. You should read the credit agreement carefully before clicking all the relevant sections agreeing to its terms. Once you have agreed to the terms of the credit agreement (AMJ Watches) will be notified and you need do nothing more. Note that products will not be allocated to your order until your loan agreement has been signed. Shipment of your goods will follow soon after your agreement has been signed.

Declined credit applications

You will be informed if your application has been declined. The lender is unable to share the reason for decline with us. Some reasons your application might be refused include:

. you do not meet the eligibility criteria (see above);

. adverse credit reference agency information;

. your credit score;

. you are considered to be overcommitted; or

. your existing account performance with other lenders.

The lender will give you the contact details for the credit reference agency used. They will also give you information on how to appeal the decision if you wish to discuss the matter. Please note that the lender is unable to discuss this over the telephone due to Data Protection rules. You should also note that each lender applies its own credit score to applicants so if you have recently been accepted for credit elsewhere this does not necessarily mean that appealing the decision on this basis alone will result in a change of decision.

What type of information do credit reference 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.

How do I obtain a copy of this information held by credit reference agencies?

You should send a cheque for £2 made payable to Experian at the following address, 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 NG80 7WF

If you believe any of the information held by Experian is incorrect, you can ask them to correct it.

Is AMJ a trusted watch dealer?

Yes we are, we have been an independent jewellers and watch distributor for over 35 years. We are authorised to sell many major brands such as Breitling, Tag Heuer, Hublot and many more. There are certain brands we are not authorised for but can provide as we purchase the watches from an authorised dealer, these include Rolex, Omega, Panerai and more.

I have seen a watch that I like but it is not on your website - are you able to source this?

Any watch that you take an interest to we can try and source for you. There are some watches that we have in stock but do not currently have on our website so always feel free to contact us and ask if we have the watch. If not then we will try our hardest to get this watch in stock for you and if we are unable to get the watch will try and supply you with alternatives.

What happens if I purchase a watch on line and do not like it upon receipt?

We have a 14 day returns policy so if upon receiving your watch you are not entirely happy then it can be sent back to us for a refund or exchange. Providing you have not been wearing the watch or damaged it in any way.

Where is your shop based?

We have one shop that is based in Newark, Nottinghamshire. Please see our contact us page details for directions and the exact address.

Do you accept part exchanges?

Yes we do accept part exchanges. Please contact us with information of your watch, pictures of your watch and the watch of ours you are interested in of ours, then after we can get back to you with a part exchange price.

The lender

Andrew Michael Jewellers Limited (Company No. 03755874), trading as AMJ Watches, with a registered address at 38-39 Stodman Street, Newark, NG24 1AW, is authorised and regulated by the Financial Conduct Authority (Financial Services Register number 700186) as a credit broker and only offers financial products from Barclays Partner Finance. Barclays Partner Finance acts as the lender.

Barclays Partner Finance is a trading name of Clydesdale Financial Services Limited (Company No. 2901725), a member of the Barclays group. Clydesdale Financial Services Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register number 311753). Registered in England. Registered office: 1 Churchill Place, London, E14 5HP.

Finance Available!

0% APR - Up to 5 years interest free credit available with Barclays Partner Finance No deposit required – minimum loan value £350.

Check Eligibility →
See Eligibility Criteria

You can also use the Barclays Eligibility Checker to find out if you are likely to be accepted for a loan through Barclays Partner Finance without affecting your credit score. Click here for details on our finance options. Credit is subject to application, financial circumstances and borrowing history.

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