Quick and easy from start to finish
The application took minutes, I had a decision the same day, and the team kept me informed throughout. Made buying my watch effortless.
Flexible Payment Plans
Own it today. Pay your way.
Whether you've found the watch you've been searching for or the engagement ring that says everything — spread the cost into manageable monthly payments, in partnership with Ideal4Finance.
Our Finance Partner
Powered by Ideal4Finance.
Martin Oliva Ltd has partnered with Ideal4Finance — an FCA-authorised credit broker with access to a panel of trusted UK lenders.
That means we can match you to the right finance plan for your purchase, with one short application.
FCA Authorised
FRN 703401
Panel of Lenders
Best-match plans
Fast decisions
often within minutes.
Secure Apply
Encrypted & private
How It Works
Four steps to your new piece.
A simple, transparent process — from choosing your plan to wearing your watch or jewellery.
01
Choose Your Piece
Find the watch or jewellery you love in-store or online.
02
Calculate
Use our calculator to plan your ideal monthly payment.
03
Apply Online
Complete a short application with Ideal4Finance — usually a decision in minutes.
04
Take It Home
Once approved, your purchase is yours to enjoy from day one.
Representative Example
Transparent figures, no surprises.
Here's exactly what a £5,000 purchase looks like over 12 months, with a 25% deposit and our 9.9% APR plan.
Repayments are fixed for the life of the agreement — you'll know your monthly amount on the day you apply.
£5,000 Purchase
9.9% APR · 12 months
Cash price£5,000.00
Deposit (25%)£1,250.00
Total credit£3,750.00
12 × monthly£329.51
Total interest£204.12
Total payable£5,204.12
Representative example for illustration only. The rate offered is provisional and will depend on your circumstances, the loan amount and the term.
Step 1
Plan your repayments.
Try different loan amounts and terms to see what fits your budget. Free to use, no obligation.
Open Calculator
Step 2
Apply in minutes.
A short, secure application with Ideal4Finance — most decisions arrive within minutes.
Apply Now
Common Questions
What you need to know.
Who is eligible to apply?
You'll typically need to be a UK resident, aged 18 or over, in regular employment or with a verifiable income, and have a UK bank account. Final eligibility is determined by the lender's assessment.
Do I need to pay a deposit?
A deposit may be required depending on the value of the purchase and the plan you choose. We'll agree the deposit amount with you before you begin your application — there are no surprises.
How long does the application take?
The online application takes just a few minutes to complete. Most applicants receive a decision within minutes of submitting their details.
Can I pay off my finance early?
Yes — you may settle your finance agreement early at any time. The lender will provide a settlement figure on request. No early repayment penalty applies on standard plans.
Will applying affect my credit score?
A soft search is typically performed first, which doesn't impact your credit score. A full credit check only takes place when you progress to a formal application with the chosen lender.
What if I need help with my application?
Ideal4Finance's support team is available Monday to Friday, 9am to 5pm on 020 3617 4647.
Customer Reviews
Verified reviews of
Rated Excellent on Trustpilot
Excellent customer service
The advisor explained every option clearly, answered all of my questions and was never pushy. Honest and professional throughout.
Made buying my engagement ring affordable
Spread the cost over 12 months with no fuss. Fixed monthly payments meant no surprises and I could relax knowing exactly what I owed each month.
Hassle-free finance
Application was simple, decision was fast, and the repayments are straightforward. Exactly what you want from a finance provider.
Important Information
There are risks involved in taking out a loan and you should ensure you can make all payments on time and in full; failure to do so can lead to financial difficulties and have a negative impact on your credit score.
The rate offered is always provisional and will depend upon your personal circumstances, the loan amount, and the term.
Regulatory
Martin Oliva Ltd is an Introducer Appointed Representative of Ideal Sales Solutions Ltd, t/a Ideal4Finance. Ideal Sales Solutions Ltd is a credit broker and not a lender (FRN 703401). Finance available subject to status. The rate offered is always provisional and will depend upon your personal circumstances, the loan amount and the term.
