Pre-Check Criteria

Before coming in store to complete a credit application, you can check you satisfy ALL of the following criteria:


  • You have been resident in the UK for at least 12 months and will continue your residency in the UK; 

  • You are 18 years of age or above; 

  • You, or your partner is, in permanent paid employment (over 16 hours per week), retired (receiving a pension) or self-employed ; 

  • You have acceptable proof of signature.  

  • You have acceptable proof of residence. 

  • You have Bank or Building Society current account details available to be able to complete the direct debit instruction. 

  • The purchase is for consumer use and not business use. 


Your credit application is made in-store or online.

If in-store...

Once the form is completed, your application will be processed and a decision from the credit company will be forthcoming. Usually this is within a few minutes, but on occasion the credit company may need additional information to make their decision and this can delay the outcome.

When your application is accepted, your purchase(s) can then be taken home with you.

If online... 

Your credit application is made online, by choosing your purchase(s), paying the relevant deposit by credit card and then completing the relevant sections on the PaybyFinance Online application site.

Once you complete this information, your application will be processed, usually within 30 seconds.You may be offered the option to e-sign the credit agreement in which case complete the process as instructed.  The alternative is to print, sign, and return the credit agreement to-

Hitachi Capital Consumer Finance, 2 Apex View, Leeds LS11 9BH.  

On occasion Hitachi Capital will post your documents to your home address for you to sign and return. 

Your purchase(s) will be dispatched by Michael Jones Jewellers when your signed credit application has been received by Hitachi Capital.