Payment Methods

At Christopher James we are here to help...

Along with traditional payment forms we now also accept two alternative payment methods.

If you would like further details about any of the options listed below, please contact us or simply visit one of our stores (quotes will in no way affect your credit score).

0% APR Interest Free

We offer an interest free finance facility, giving you the option to spread your payments over convenient monthly installments. Available for UK residents only, on items over £1,500 with a minimum of a 25% deposit.

The deposit must be paid by credit/debit card (we accept all major cards including American Express). The deposit is a minimum of 20% but the applicant can leave more to reduce the monthly repayments.

The loan can be taken over different periods of time. The repayments can be spread over 6 months, 9 months, 10 months, 12 months, 15 months, or 18 months. There are no early repayment charges incurred by the applicant if you/they choose to clear the balance earlier than the contract specifies.

Your eligibility will be checked through a straightforward form that can be completed at home or in-store. In order to complete the application your credit score will be searched and when this is complete you will receive a decision on your application immediately. 

Finance is subject to our discretion and not applicable on discounted items.

Payments will start 30 days after collection, and there is a 14 day cancellation period.

Credit subject to status and affordability, terms and conditions apply, credit is provided by Novuna. 

Interest Free Example

Example of an interest free policy for an item costing £10,000.00 over 1 year with a 25% deposit: 

Total cost: £15,000.00 

Deposit (20%): £3,000.00

Loan Amount: £12,000.00 spread over 1 year

12 monthly payments of £1,000.00