With our simple Interest Free Credit Options you can now buy the jewellery or watch that has caught your eye and choose a convenient way to pay that suits you (available in store and online).
- 6 Months Interest-Free Credit
- 9 Months Interest-Free Credit
- 12 Months Interest-Free Credit
- 24 Months Interest-Free Credit
- 36 Months Interest-Free Credit
Which are available with only a 10% deposit
If you need more information, visit your local H.Samuel store.
Treat yourself or give a gift they'll treasure forever using our Interest-Free Credit.
- Equal monthly payments
- No interest charges
- No early settlement charges
- Simply pay a small deposit upfront
Here's an example of what you would pay for a £800 diamond ring on 12 Months Interest-Free Credit:
Representative 0% APR
- Interest Rate (Fixed):
- 0% p.a
- Purchase Price (Min £300)/ Total Amount Payable:
- Deposit (Min 10%):
- Loan Amount:
- Duration of agreement:
- 12 months
- 12 Monthly Payments of:
Minimum spend £300 and minimum 10% deposit required for interest-free credit over 6, 9 and 12 months.
Minimum spend £999 and minimum 10% deposit required for interest-free credit over 24 and 36 months.
*Terms and conditions apply. Minimum spend and deposit levels apply, ask in store for details. Credit, subject to age and status is provided by Hitachi Capital (UK) PLC. Registered office: Hitachi Capital House, Thorpe Road, Staines-upon-Thames, Surrey, TW18 3HP. Registered in England and Wales. Registered number 01630491. Signet Trading Limited, trading as (H.Samuel) acts as a credit intermediary and only offers credit products for Hitachi Capital (UK) PLC. Registered office: Imperial Place 3, Maxwell Road, Borehamwood, WD6 1JN. Registered in England and Wales. Registered number 03768979. Authorised and regulated by the Financial Conduct Authority.
Applying for online finance
When you shop online from H.Samuel Limited you have the choice of applying for Interest Free Credit to purchase your item (subject to minimum spend of £300). To do this, follow these simple steps:
- Click the interest free credit button - on the product or basket page. This will take you to the 0% Interest free credit options page.
- Select the radio button on the right of the screen that matches your preferred re-payment option, i.e. duration and monthly re-payment amounts. (there is flexibility to change the deposit amount you pay, above the minimum required, that will then update the repayment options).
- Select add to basket button - this will take you to the Basket Page where (at the bottom of the Page) it will confirm your preferred IFC Online loan agreement option. You can amend this option by selecting the EDIT button and this will take you back to the 0% Interest Free Credit Options Page, where you can amend the option selected.
- Checkout - proceed with payment by entering: your account, billing address and payment details for the deposit amount on your purchase.
- Select the Pay Now button – once your deposit payment has been accepted a confirmation page which will provide details of your H.Samuel order number.
- Hitachi Pay By Finance Web Site – Having selected the product to be purchased and paid your deposit, you will then be taken directly to the Hitachi Pay By Finance Web Site. Here your order details will be displayed and you will be led through the completion of the credit application. (This should take approximately 5 minutes).
- Finally – if the application is accepted and e-signed you will then be taken back to the H.Samuel Web Site with a Page confirming your Order and Hitachi Application Number.
…it’s as easy as that!