Up to 60 interest-free installments! Shopping loan
Due to popular demand, the period has been extended until the end of December!
︎ ⚫︎Overwhelmingly advantageous interest rates! No fees for up to 60 installments
With interest rates rising worldwide, many stores are offering interest-free campaigns with up to 48 or 36 installments, but WATCHNIAN 's shopping loans are free of fees for up to 60 installments! This is an overwhelming bargain compared to other companies.
⚫︎Reduce monthly payments. Pay 20,000 yen a month for a 1 million yen product.
For example, if you purchase a 1,200,000 yen watch in 60 installments, your monthly payment will be 20,000 yen, and if you purchase it in 36 installments, your monthly payment will be 33,333 yen.
Example of 60 payments
Prices and products are examples of payment simulations.
Number of payments
- [New]
- 1 payment to 48 payments: No fees
- 54th to 84th payment: Fees to be borne by the customer
- [Unworn / Used]
- 1 time payment to 60 times payment: No fee
- 66th to 84th payment: Fee paid by customer
| Number of payments | New interest rate | Unworn Used rate |
|---|---|---|
| 3 times | Flat rate 0.00% until 48 payments | Flat rate 0.00% until 60 payments |
| 6 times | ||
| 10 times | ||
| 12 times | ||
| 15 times | ||
| 18 times | ||
| 20 times | ||
| 24 times | ||
| 30 times | ||
| 36 times | ||
| 42 times | ||
| 48 times | ||
| 54 times | 6.75％ | |
| 60 times | 7.50％ | |
| 66 times | 8.25％ | 8.25％ |
| 72 times | 9.00％ | 9.00％ |
| 78 times | 9.75％ | 9.75％ |
| 84 times | 10.50％ | 10.50％ |
●What is a shopping loan?
A shopping loan is a service that allows a credit company to pay for the purchase of products in advance when you make a purchase.
The application procedure is completed online, and the purchase price is paid in monthly installments to the credit sales company.
*Payment can be made in installments without using a credit card.
Terms of use: Product cost is 30,000 yen or more, monthly payment is 3,000 yen or more.
●Flow of use
① Ordering products
Please select "Shopping Loan" as your payment method when placing your order. If you have cash available, please select "Set a down payment" and enter the set amount.
You can specify the number of payments later by completing procedures with your credit card company.
[Payment method selection screen]
②Shopping loan application/screening
You will receive an email from the shopping loan credit company with instructions regarding your application. Please complete the procedure from the attached URL.
③Confirm the contract details
Once the shopping loan credit company's review has been approved, you will receive a phone call from the shopping loan credit company to confirm the details of your contract.
If you have prepared a down payment, please send the money to our bank account.
④Shipping of the product
We will ship the product as soon as we receive notification of the screening results from the shopping loan credit company.
Notes on shopping loans
*As a result of the screening, we may not be able to meet your request.
*The product will be delivered to the shopping loan contract address. Delivery boxes, office drop-offs, drop-offs, and forwarding services are not available.
*If you place an order outside of business hours, the shopping loan application procedure may be processed the next day.
- I would like to know more about credit companies that offer shopping loans.
- Shopping loans are only available through JACCS at the online store.
- How many products can I use?
- The product price is 30,000 yen or more, and the monthly payment is 3,000 yen or more.
- Will I know the examination results immediately? How long does it take?
- If you apply online, the results will be available within a few hours to a day. If you apply at a branch, the results will be available in about 20 minutes. However, if a guarantor is required, it may take several days.
- Can I do a pre-screening for a shopping loan before purchasing?
- No, we do not accept pre-approvals. After you place your order and apply for a shopping loan, your application will be reviewed.
- What happens if I fail the examination? What should I do?
- You can change your payment method to a method other than the shopping loan (credit card payment, bank transfer, cash on delivery). Please contact us by the day after your application is rejected. If we do not hear from you, your order will be canceled.
- I would like to know the monthly payment amount and number of installments before purchasing.
- You can check the number of splits and the payment amount simulation on the product page.
[Simulation screen example]
- I want to pay with cash and a shopping loan.
- Yes, cash and shopping loans can be used together. When ordering a product, select shopping loan as the payment method. Select "Set down payment" by checking the down payment button and enter the desired amount. After the screening is approved, you will be asked to transfer the down payment.
[Payment method selection screen]
[Payment information confirmation screen]
- I want to know how to pay the down payment.
- The down payment must be made by bank transfer. Other payment methods such as credit cards are not accepted.
- If there is a down payment, when should I make the transfer?
- Once your shopping loan application has been approved, we will send you instructions on how to transfer the down payment. We will ship the product as soon as we have confirmed your payment. If we do not receive the down payment within 3 days or are unable to contact you by email or phone, we will cancel your order approximately one week after the loan has been approved.
- I want to pay the down payment by credit card.
- No, you cannot use a shopping loan and a credit card together.
- I'd like to combine trade-in of an item and a shopping loan.
- First, select Shopping Loan as the payment method when placing your order, select "I would like to trade in" and enter the trade-in information. Both can be set on the order method selection screen when purchasing.
[Payment method selection screen]
Next, please use our mail-order purchase service to send the items you wish to trade in to us. Please rest assured that the items you order will be secured at the time your order is confirmed.
We will assess the trade-in item and inform you of the assessed value. After you have agreed to the assessed value, we will guide you through the application process for a shopping loan. At that time, you will set the assessed value as the down payment. - Can I specify the shipping address?
- No, you can only specify the delivery address to the address you have contracted with the shopping loan credit company. We cannot deliver to any other address.
- Can I pick it up at the office? Can I receive it at a location other than my home?
- No, we cannot deliver to any address other than the address stated in the contract, including delivery to a branch office. If you pay with a shopping loan, we cannot accept delivery to any address other than the address stated in the contract by the contract holder.
- Can I use this in conjunction with a coupon?
- Some coupons can be used in conjunction with shopping loans, but some cannot. Please check the coupon terms and conditions for more information.
- How do I repay a shopping loan?
- The repayment method for the shopping loan will be direct debit from the specified bank account or bank transfer. Detailed repayment methods are based on the regulations of each financial institution, so please check with the credit company.
- Can I use a credit card to repay a shopping loan?
- No, you cannot use a credit card to repay a shopping loan.
- Can I change the payment frequency after signing the contract?
- No, you cannot change the number of installments after you have signed the loan contract. However, you can make early repayments after you have started making payments. In that case, you will need to contact the credit company directly.
- Can I pay the remaining amount in one lump sum?
- Yes, you can make an early repayment and pay off the remaining loan balance in one lump sum. Please contact the credit company directly for instructions on how to proceed.
- What happens if I am late with my repayment?
- If you are late with your repayments, you may be charged a late fee. In addition, it may affect your credit information, so if you are going to be late with your repayments, you will need to contact your credit company and take the appropriate steps.
- Can minors apply?
- Yes, minors can apply for a shopping loan, but parental consent (by phone and in writing) is required. Please contact the credit company for specific procedures.
- Can I apply from overseas?
- No, we do not accept applications from people living overseas. If you are currently traveling overseas, please apply once you have returned to Japan.
- Can I use bonus payments for a shopping loan?
- Yes, you can combine regular monthly payments with bonus payments. Please set up the bonus payment option when completing the procedure with your credit company.