Established in 1940

L. Guess 0% Interest Free Credit

We want to make it as easy as possible for you to own one of our pre-owned watches or to be able to purchase one of our Beautiful Diamond Rings. That’s why we have introduced 0% Interest FREE Credit.

That’s 0% APR so you never pay a penny more than the shop price for the item. It couldn’t be easier to pay using our interest FREE credit option, and all you need is a bank account debit card and a few minutes to answer some simple questions.

Now you never have to worry about being able to afford the perfect gift, or that special watch that you have always wanted to buy yourself. With payment options from 6 to 18 months, 0% interest free credit is available on any one of our in-store items (excluding sale items), so you could be ready to roll up your sleeve for a Rolex or get down on one knee with a diamond engagement ring today!

Finance Options

The repayment results below are for guidance only.

Pre-owned Rolex Watch – 0% Interest (fixed APR) over 6-12 months
Pre-owned watches are limited to a 6-12 month finance term
Cash Price £2500.00
Minimum Deposit on a Pre-owned watch: 20% £500.00
6 x Monthly instalments £333.33
Interest Rate 0.00% Fixed
Total Charge for Credit £0.00
Total Amount of Credit £2000.00
Total Amount Payable £2500.00
Representative APR 0.00%
Diamond Ring – 0% Interest (fixed APR) over 12 months
(This option can include any items in store – excluding sale items and pre-owned watches and is available from a 6 to 18 months finance term)
Cash Price £1000.00
Minimum Deposit on a Diamond Ring: 10% £100.00
18 x Monthly instalments £50.00
Interest Rate 0.00% Fixed
Total Charge for Credit £0.00
Total Amount of Credit £900.00
Total Amount Payable £1000.00
Representative APR 0.00%

Frequently asked questions

Please call us if you have unanswered questions. You can also see Frequently Asked questions on the V12 website, who provides the Interest FREE credit finance option.

How do I apply for Finance?

A member of the L.Guess team will process your online application in store, which should only take around 5-10 minutes to complete on V12’s secure server. When we have completed the application, V12 will use the information you have supplied to reach a decision that will involve a credit search. V12 will very quickly confirm the outcome. If your application is successful, L.Guess will print the finance agreement and provide you a copy.

Who can apply for Finance?

To apply for finance you must be:

  • At least 18 years of age
  • A permanent UK resident
  • In regular employment (minimum of 16 hours per week) including self employment, or in permanent residence with your spouse/partner who is in regular employment
  • In receipt of pension if you are retired

(If registered disabled confirmation of sufficient income will be required.)

What do I need to take to the L.Guess store if I am applying for 0% Finance?

Your bank/debit card. This needs to relate to the account that you want your monthly payments to be debited from.

What happens next if my application is approved?

If your application is approved you will be provided a printed copy of the Credit Agreement which you will be required to sign. We will then forward this onto, our credit provider, on your behalf. Once the paperwork is signed we can complete the transaction and hand over your new purchase.

What happens if my application is declined?

If our credit providers decline your application you will have the option of choosing an alternative method of payment (i.e. credit/debit card) and your deposit will be refunded to your credit or debit card.

Can I buy any item on any finance option?

The finance options available depend on the total value of your purchase. Interest Free Finance starts at £500 for 6 months, £1,000 for 12 months and £1,500 to qualify for 18 months. Watches are only available on 6 month plans.

L.Guess reserve the right to exclude products of our choosing from certain finance packages. These can include purchases used in conjunction with promotional coupons, reduced items and sale jewellery.

Need help? Email us on or call 01903 724392.