About shopping loans
No-interest installment loan
When purchasing a watch at the GINZA AXIS online shop or a physical store (GINZA AXIS), if you use the shopping loan installment plan, interest fees will be 0% for up to 24 installments. This will reduce your monthly payments and allow you to purchase a watch at a great value. A special rate will also be applied for installments of 24 or more installments.
- Some items, such as consignment items and new Rolex watches, are not eligible for interest-free financing.
- Depending on the credit company's screening results, we may not be able to accept your order.
Interest-free shopping loan installment interest rate
This applies to contracts with "APLUS." Please ask our staff for details.
| Number of payments (times) | |||||||
|---|---|---|---|---|---|---|---|
| 3 | 6 | 10 | 12 | 15 | 18 | 20 | 24 |
| Installment fee (%) | |||||||
| 0 ย ย | ย 0ย | 0 | 0 | 0 | 0 | 0 | 0 |
| Campaign interest rate (%) | |||||||
| 0% for up to 24 times | |||||||
| Number of payments (times) | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| 30 | 36 | 42 | 48 | 60 | 84 | 96 | 108 | 120 | |
| Installment fee (%) | |||||||||
| 1.2 | 2.4 | 3.6 | 4.8 | 7.2 | 12 | 14.4 | 16.8 | 19.2 | |
| Real interest rate (%) | |||||||||
| 4.56 | 4.57 | 4.57 | 4.57 | 4.55 | 4.51 | 4.48 | 4.46 | 4.43 | |
| Number of payments (times) | Installment fee (%) | Campaign interest rate (%) Effective interest rate after 30th installment (%) |
|---|---|---|
| 3 | 0 | 0% for up to 24 times |
| 6 | 0 | |
| 10 | 0 | |
| 12 | 0 | |
| 15 | 0 | |
| 18 | 0 | |
| 20 | 0 | |
| 24 | 0 | |
| 30 | 1.2 | 4.56 |
| 36 | 2.4 | 4.57 |
| 42 | 3.6 | 4.57 |
| 48 | 4.8 | 4.57 |
| 60 | 7.2 | 4.55 |
| 84 | 12 | 4.51 |
| 96 | 14.4 | 4.48 |
| 108 | 16.8 | 4.46 |
| 120 | 19.2 | 4.43 |
*If you wish to make payments in 30 or more installments, you will receive a special interest rate.
What is a shopping loan?
This payment method allows you to pay for products in installments over a specified number of months without using a credit card. If you shop online, you can easily apply by entering your details online. No signature is required when applying, and the application process is quick and easy.
- No card required
- Installment payments
- Selectable payment frequency (*in our case)
- Apply online or in store
Steps for interest-free installment shopping loans (online shops)
- Select "Shopping Loan" as your payment method.
- The credit company will send you an email with the URL of the application web page.
- Please click on the URL for the "Application Web Page" and enter the required information online.
- Once the credit company's screening is approved, we will ship the product from our store.
*Please be careful to set your PC email so that it is not treated as spam.
Please be careful
- Some items, such as consignment items and new Rolex watches, are not eligible for interest-free financing.
- Depending on the credit company's screening results, we may not be able to accept your order.