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How do Apple Watch payments work?

The total loan amount requiring repayment for your Apple Watch will vary depending on the model selected and whether it's your first Apple Watch with Vitality or a subsequent Apple Watch.

This means that, since the repayment timescale of the credit agreement with Novuna Personal Finance will always be 3 years (36 months), the amount of the monthly instalments required to pay back that loan will vary.

Please see the pricing, deposit and loan figures for each scenario below:

Apple Watch SE

Model

Retail Price

Deposit

Total Loan

40mm GPS

£219

£1

£216

44mm GPS

£249

£31

£216

40mm GPS & Cellular

£289

£71

£216

44mm GPS & Cellular 

£319

£101

£216

Apple Watch Series 10 - First Watch

Model

Retail Price

Deposit

Total Loan

42mm GPS

£399

£10

£360

46mm GPS

£429

£40

£360

42mm GPS & Cellular

£499

£110

£360

46mm GPS & Cellular

£529

£140

£360

Apple Watch Series 10 - Subsequent Watch

Model

Retail Price

Deposit

Total Loan

42mm GPS

£399

£180

£216

46mm GPS

£429

£210

£216

42mm GPS & Cellular

£499

£280

£216

46mm GPS & Cellular

£529

£310

£216