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Finance at Watches2U for Orders over £100.00

We offer afforditNOW finance on UK orders over £100, with a repayment plan for up to 12 months!

  • Choose to have up to a 3 month payment break
  • Pay only the fixed payment of £9.99 today
  • Spread the cost over up to 12 months

Please add the items you wish to purchase to your basket and then look out for the afforditNOW logo to make an application.


Frequently Asked Questions

Will I be accepted for credit?

Your application may only be considered if:

  • You are 18 or over, and employed at least 16 hours per week
  • You have a good credit history with no late payments, debt relief orders, CCJ's, IVA's or bankruptcies
  • You are a permanent UK resident and able to supply a UK address history for the last 3 years
  • You are not a student (unless employed at least 16 hours per week) or unemployed single house person
  • We welcome application from retired individuals, in receipt of a private or company pension (aged 50 or over at date of application).

Please ensure your application is completed accurately to maximise the chances of your application being accepted. A decision will be made based on credit history available from credit bureaus as well as using public registers such as the electoral roll. Please note that meeting the above criteria does not guarantee finance acceptance.

How do I make a credit application?

To start your credit application add the product you wish to buy to your basket. On the shopping basket click 'afforditNow logo, checkout with finance'. You will then be asked to fill out your details such as your name, address history for the last 3 years, employment details and bank details for direct debit. This only takes a few minutes and in most cases an instant decision can be returned. Sometimes decisions may need to be referred for manual checks which may only be carried out during working hours. You will be notified of the decision by email once these are complete if this is the case. If your application is unsuccessful and you have already paid a deposit this will be refunded automatically within 3-5 working days.

What happens after I am approved?

If your application is successful you will be asked to make either a service charge of £9.99 taken while applying with afforditNOW using credit or debit card. We will then send you confirmation of your order by email and ship your order in our next collection.

My application was declined, why?

Unfortunately we are not given a reason by the lender so we are unable to comment on individual applications. If you believe your application should have been accepted please note that sometimes applications can be declined due to incorrect information being given. Please ensure your address history is entered correctly and is the same as registered with your bank and the electoral roll (if applicable). If you have paid a deposit this will be refunded automatically within 3-5 working days.

How are payments made?

Your initial deposit is payable by credit or debit card. Once your order has been shipped we will notify the credit lender. Payments are then taken automatically by direct debit for peace of mind either after your payment holiday when using afforditNOW. For more information please see your credit agreement.

Who should I contact if i have questions about my payments?

For all payment queries please call Paybreak Customer Services - 0333444224

Legal Information

Watches2U, PO Box 2041, Croydon, CR0 9JW United Kingdom is a licensed credit broker, authorised and regulated by The Financial Conduct Authority (licence number 659577 with FCA interim permission). Terms and conditions apply. Loans available to permanent UK residents aged 18 and over. Subject to status. Eligibility and conditions apply. afforditNOW is a credit product offered by PayBreak Ltd: Registered Office at The Bloc, Ashley Road, Altrincham, WA14 2DW. PayBreak Ltd is authorised and regulated by The Financial Conduct Authority (Interim Permission No 0644149). Watches2U acts as intermediary.