Cost of Loan will vary depending upon the repayment duration of 12, 24 of 36 months.
Please note: Finance examples shown above are subject to status. Terms and conditions apply.

Consumer credit service provided by Pay4Later in association with Moneyway. Pay4Later is licensed by The Office of Fair Trading (Consumer Credit Licence: 0616240). For more information please refer to our frequently asked questions or visit http://www.pay4later.com/.

Moneyway is a Trading name of Secure Trust Bank PLC. Secure Trust Bank is authorised and regulated by the Financial Services Authority, licensed by the Office of Fair Trading and a member of the Finance and Leasing Association. For more information please visit http://www.securetrustbank.com/

HOW TO APPLY
You can apply for credit by selecting this method of payment at the final stage of the checkout process, it only takes a couple of minutes and you'll get an instant decision.

QUALIFYING FOR CREDIT...THINGS YOU WILL NEED...
To Apply for finance you must meet the following criteria:

• You must be over 18 years of age.
• You must be a UK resident with at least 3 years continual address history.
• You must be in full time employment, unless retired or a house person with a spouse in full time employment.
• You must have a UK bank account capable of accepting Direct Debits.
• The goods must be delivered to your home address.

THE BENEFITS OF BUYING JEWELLERY WITH CREDIT

• Buy the jewellery you want with just a 50% deposit with 6 monthly payments.
• 12, 24 or 36 months repayment periods also available for 19.5% interest rate.
• Invest in more expensive Jewellery now but with low monthly payments
• One stop shopping, no need to go to the bank to secure funding.
• Keep cash for day-to-day expenses.
• Fixed Payments - your payments are fixed for the duration of the agreement allowing you to budget more effectively.

FREQUENTLY ASKED FINANCE QUESTIONS

How Much can I Borrow?
0% Interest is available on all jewellery for sale above £500.00 (see example below) payable by 6 monthly Payments and 50% deposit.(see example below)
We also offer our customers the opportunity of paying by instalments on all jewellery that is for sale on our website above £250.00. We offer 19.5% interest credit which can be payable over 12, 24 or 36 months and with 10% Deposit.

Is A Deposit Required?
Yes, a minimum 50% deposit will need to be paid upon acceptance for 0% interest and 10% deposit for 19.5% interest.

How Are My Monthly Payments Made?
All monthly payments are paid by direct debit from your personal bank account. Typically the first payment will be due one month after the date of the finance agreement and subsequent monthly payments will be due every month for the length of your term on that day of the month.

What Type Of Jewellery Can I Buy On Finance?
Anything on our website!! Please remember that the minimum order value for finance is £500.00 for 0% interest plan and £250.00 for 19.5% interest plan.

What Length Of Repayment Is Available?
6 Months for 0% interest and you can choose a 12, 24 or 36 months loan repayment period for 19.5% interest plan.

How Do I Apply?
You can apply on our website, simply follow the checkout process and select Pay4later as a payment method.

Can I Pay Off My Loan Early?
You can settle your loan agreement at any time. Simply contact pay4later and they will calculate and send you your settlement figure. Your settlement figure and date are calculated in line with the Consumer Credit Act.