Berry's Finance Options
Spread the Cost of Your Purchase
Choose from flexible finance options on selected watches and jewellery, including 0%APR finance for up to 36 months.
0%APR finance available for up to 36 months
48 or 60 months at 9.9% APR Representative
Credit is subject to status, eligibility and product restrictions. Finance is available to qualifying UK residents. Terms and minimum spend apply.
Whether you are choosing a watch, a piece of fine jewellery or an engagement ring, finance can help you divide the cost into manageable monthly payments. The finance options displayed on each eligible product will depend on its price, brand and individual product restrictions.
Flexible Ways to Pay
0% Interest Free Credit
Up to 36 monthsSpread the cost of selected qualifying purchases without paying interest on the amount financed.
- Available on selected purchases from £1,000
- Terms can include 6, 9, 12, 18, 24 or 36 months
- Minimum 5% deposit
- The available term depends on the product and purchase value
- Subject to status and approval
Credit-Bearing Finance
9.9% APR RepresentativeLonger-term finance is available on selected qualifying purchases where spreading the cost over four or five years is more suitable.
- Available on selected purchases from £750
- 48 or 60 month terms
- Minimum 5% deposit
- Interest is payable
- Subject to status and approval
Your exact finance options are shown with the eligible product.
Term length, deposit and availability can vary by product, brand and purchase value. The full repayment information will be shown before you enter into a credit agreement.
How the Finance Application Works
Choose Your Purchase
Add an eligible watch or piece of jewellery to your basket and select the available finance option at checkout.
Complete the Application
You will be taken through a secure finance application where the lender will ask for the information required to assess your application.
Review & Sign
If approved, review the finance agreement carefully and complete the electronic signature process.
Berry's Completes Its Checks
Once the agreement has been approved and signed, Berry's completes the required order and security checks before dispatch.
Finance delivery address:
an order paid for using finance can only be dispatched to the address shown on the approved finance application. We cannot redirect the parcel to a different address after approval.
Who Can Apply?
To apply for finance with V12 Retail Finance, you must meet the following eligibility criteria. All applications are subject to status and the lender's approval.
18 or Over
You must be at least 18 years of age.
Employment & Income
You must be in permanent paid employment, self-employed, a homemaker, retired and receiving a pension, a working student in part-time employment, or receiving a disability benefit.
UK Residency
You must have been a UK resident for at least three years.
Debit or Credit Card
You must have a debit or credit card in your name, registered to your address, to pay any applicable deposit.
Bank Account
You must have a Bank or Building Society current account to set up your Direct Debit payments.
Email Address
You must have an email address to receive important information throughout the application process, including your signed credit agreement.
Finance is subject to status, affordability and V12 Retail Finance lending criteria. Meeting these eligibility requirements does not guarantee acceptance.
Where Finance May Not Be Available
Pre-Owned Watches
Finance is not currently available on Berry's pre-owned watch collection.
Sale Items
Sale and reduced-price products may be excluded from finance offers.
Selected Brands & Products
Some brands and individual products have finance restrictions or shorter maximum terms.
Always use the finance information displayed with the individual product as the current indication of available terms.
Finance FAQs
What finance options are available?
Selected purchases can qualify for interest free finance for up to 36 months. Longer-term credit-bearing finance is also available on selected purchases over 48 or 60 months at 9.9% APR Representative. Product and term restrictions apply.
How much do I need to spend?
Berry's currently offers 0%APR finance on selected qualifying purchases from £1,000. Selected purchases from £750 may qualify for 48 or 60 month credit-bearing finance at 9.9% APR Representative.
How much deposit will I need?
A minimum deposit of 5% applies to the current finance options shown on this page. The exact deposit and repayment schedule will be shown during the finance process before you enter into an agreement.
Can I apply for finance online?
Yes. Add an eligible product to your basket, select the available finance payment option at checkout and complete the secure finance application.
Is finance available in Berry's showrooms?
Yes, finance is available on selected qualifying purchases both online and in Berry's showrooms, subject to the applicable product restrictions and lending criteria.
Does applying for finance involve a credit check?
The lender assesses applications before approving credit and may use information from credit reference agencies as part of that process. Review the information supplied during the application before proceeding.
Where will my finance order be delivered?
Finance orders can only be dispatched to the address shown on the approved finance application. The delivery address cannot be changed to a different address after finance approval.
Can I use finance on a pre-owned watch or sale product?
Finance is not currently available on pre-owned watches and may not be available on sale products or selected brands. The finance options shown on the individual product page are the best guide to current eligibility.
Who provides the credit?
Credit is provided by V12 Retail Finance, a trading name of Secure Trust Bank PLC.
Credit Provider
V12 Retail Finance
Berens & Company Limited trading as Berry's Jewellers is authorised and regulated by the Financial Conduct Authority and acts as a credit broker, not a lender. Our FCA registration number is 669605. Berens & Company Limited offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Credit is provided subject to affordability, age and status. Minimum spend applies.
Important Information
- Credit is subject to status and approval.
- Terms, conditions and product restrictions apply.
- 9.9% APR Representative applies to the stated credit-bearing finance options.
- Written quotations are available on request.
Need Assistance?
Speak to Berry's Customer Services
If you have a question about whether a product is eligible for finance or need help with an online order, our Customer Services team can assist.
Finance is subject to status, eligibility, lender approval and product restrictions.