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Apple Watch payments

Learn about your credit agreement with Novuna Personal Finance and your monthly payments

Apple Watch Direct Debit with Vitality explained

When you order an Apple Watch with Vitality, you set up a monthly Direct Debit with Novuna for 36 months and your monthly payments may vary. This will depend on how many Vitality activity points you earn each month and how much Vitality contribution you’ll receive towards your Direct Debit payments. 



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Your credit agreement

Apple Watch with Vitality is offered on a 40-month, 0% APR credit loan agreement with Novuna. When you order an Apple Watch with Vitality, you'll set up an account with Novuna. 

This means that your eligibility to order an Apple Watch with Vitality will depend on the decision to approve your credit. Checking your eligibility will place a soft search on your credit file which is not visible to other lenders.

If you'd like to know more about applying for credit, please visit Novuna. 

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Paying for your Apple Watch

Apple Watch Series 10 is available from £10 upfront (limited time offer, 12 November 2024 - 14 February 2025) and Apple Watch SE is available to order from £1 upfront from Vitality. 

Once you've connected it to Vitality, you can earn activity points for getting active. This will determine how much you'll pay Novuna for your Apple Watch each month, for 36 months. Apple Watch Series 10 RRP from £399 and Apple Watch SE RRP from £219.

The more you move, the less you'll pay...

  • Apple Watch Series 10: You'll pay between £0 and £10 each month
  • Apple Watch SE: You'll pay between £0 and £6 each month.

Learn more about Apple Watch points and payments

Here’s an example:

(Example based on Apple Watch Series 10, 42mm Jet Black Aluminium Case with Black Sport Band)  

Total price Initial upfront payment Your activity Monthly Direct Debit payment Balance paid Total savings (from your credit agreement and reduced upfront payment)
£399 £10 (limited time offer) 160 activity points per month for 36 months £0 £0 (0% APR, variable Direct Debit for 36 months) £389
£399 £10 (limited time offer) 80 activity points per month for 36 months £5 £162 (0% APR, variable Direct Debit for 24 months) £209

Apple Watch payments FAQs

How will I know what my payment will be each month?

You’ll be able to track the amount we will contribute to your payment on the Member Zone, or by using the Vitality Member app.

When will my first Direct Debit be taken for my Apple Watch and how will it be calculated?

The date of your first Direct Debit payment will be based on the date you signed the loan agreement. This will be confirmed to you and managed by Novuna. You will be able to change your direct debit payment date to suit your needs once the first payment has been made. 

Monthly payments for Apple Watch are calculated based on how many Vitality activity points you earn each month.

You will start with a “payment holiday” from the date you purchased your Apple Watch until the end of the first full calendar month.

In the second full calendar month, you’ll start earning Vitality activity points towards your first payment.

Your first Direct Debit payment will then be taken at the end of the third calendar month.

Here’s an illustrative example:

  • 15th April – order your Apple Watch
  • Rest of April plus May (first full calendar month) – payment holiday
  • June (second full calendar month) – Vitality activity points- earned in this month determine next month's first payment
  • August – first Direct Debit payment - based on last month's Vitality activity points

Can I pay back my loan amount early?

Yes, you can pay your loan amount with etika or Novuna early. For loans taken before October 2024, your credit agreement will be through etika Finance UK Ltd. Novuna applies to loans taken after October 2024. However, paying your loan early will mean your Direct Debit is cancelled and you won't be eligible for any more Vitality contributions. You also won’t be able to buy a further Apple Watch through Vitality until the last planned payment date for the original Apple Watch has passed. You can view your account balance and payments to date by visiting the etika website or Novuna website.

What happens if I cancel my plan or I leave my company scheme?

If you cancel your plan or leave your company scheme, your credit loan agreement for your Apple Watch will continue with etika Finance UK Ltd (for loans taken before October 2024) or Novuna (applies to loans taken after October 2024).

As you won’t be earning Vitality activity points, your monthly Direct Debit payments will switch to the maximum amount per month for the remaining period of your credit loan agreement.

Are there terms and conditions with this offer?

Yes, please read our Apple Watch terms and conditions before you order an Apple Watch in Member Zone.