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Tel. 01242 513580 | Open 7 days a week 9.30am-5.30pm Mon-Sat and 11am-4pm Sun

Interest Free Credit on order totals over £250

What is Interest Free Credit from Close Brothers Retail Finance?

Close Brothers Retail Finance Interest Free Credit (0% typical APR) is a loan that can be applied for purchasing an item on our website. The finance is interest free, which means that you will pay no interest on the amount borrowed. You pay a deposit now and settle the balance over an agreed period by direct debit.

What are the benefits of taking out Interest Free Credit?

Close Brothers Retail Finance Interest Free Credit (0% typical APR) allows you to spread the cost of the payment of the goods over a period of time. This means that you can pay a set amount over a number of months, instead of paying the lump sum up front.

How does Interest Free Credit Work?

Close Brothers Retail Finance Interest Free Credit (0% typical APR) allows you to spread payments over 6, 9, 12, 18 or 24 months. Here is an example of how much you would pay on a £3,600 watch on 12 months Interest Free Credit:

Cash Price £3,600
Less deposit (minimum 10%) £360
Amount of credit £3,240
Payable by 12 monthly instalments of £270
Other Charges £0
Total amount payable APR typical 0% £3,600

Can Interest Free Credit be taken out on any of the products online?

Interest Free Credit can only be applied for on an order total with a value above £250. Interest Free Credit is unavailable on the purchase of any sale items. Discount and promotional codes cannot be used in conjunction with Interest Free Credit related purchases. We apologise for any inconvenience that this may cause.

Can I apply for Interest Free Credit?

If you are aged over 18, you can apply for interest free credit. To be accepted for finance, you have to meet Close Brothers Retail Finance Consumer Finance’s criteria.

Who is the credit provider?

Consumer credit service provided by Close Brothers Retail Finance. The registered office of Close Brothers Group plc is 10 Crown Place, London EC2A 4FT registered in England, Register Number 0520241 and VAT registration number GB 245 5013 86.

How do I apply for Interest Free Credit?

Once you have chosen the goods to purchase, you will be presented with your preferred payment option. You can either choose to ‘Pay by Card’ or ‘Close Brothers Retail Finance’ option.

Once you have chosen the payment term, you will be taken to the Close Brothers Retail Finance website to complete the application.

Once approved, you will be required to check the e-signature box to sign the credit agreement and submit the application.

When will I be notified if I have been accepted for finance?

Once completed a decision is returned in around 10 seconds.

If your application is declined and you feel unhappy about the decision, you can get in touch with Close Brothers Retail Finance and request further details about your application using the details on the website linked below:

Please clearly state the reason that you are writing and provide your name, address and postcode.

When will the first monthly payment be due?

Once you have completed the application, your first repayment will be taken by Direct Debit approximately 30 days from your receipt of the goods.

Who do I contact for more information about Interest Free Credit?

If you have a question about Close Brothers Retail Finance, you can call us on 01242 513580 we are open 7 days a week 9.30am-5.30pm Mon-Sat, 11am-4pm Sun. Alternatively, you can email us at