Finance
If you’re looking for a way to make your purchase more manageable, our range of finance options may be the perfect place to start.
If your purchase is over £250, we offer a completely interest-free finance option where you can split the cost of your payment across 6 months with a 10% initial deposit.
We also have various longer period finance offerings too. Spread the cost of your purchase across 12, 24 or 36 months with 9.9% APR Representative, with just a minimum deposit of 10%.
0% APR Finance Example
Cash Price | £500.00 |
Deposit 50% | £250.00 |
Amount of credit | £250.00 |
Cost of loan | £0.00 |
Total amount payable | £250.00 |
Payable by 6 monthly payments | £41.67 |
APR | 0% |
9.9% APR Representative Finance Example
Cash Price | £1,950.00 |
Deposit 10% | £195.00 |
Amount of credit | £1,755.00 |
Cost of loan | £178.48 |
Payable by 24 monthly payments | £80.56 |
APR Representative | 9.9% |
What Is The Cost Of The Loan?
The cost of the loan will vary depending upon the repayment duration and type of finance you choose to take out.
Finance examples shown above are subject to status. Terms and conditions apply.
Important Notes
Neve Jewels Limited t/a Diamonds Factory is authorised and regulated by the Financial Conduct Authority (FCA) and acts as a credit broker not a lender; FCA registration number 722443. Credit is subject to status. Terms and Conditions and minimum spend applies. Neve Jewels Limited (06453160) 7 Hatton Garden, London, United Kingdom, EC1N 8AD Neve Jewels Limited acts as a credit intermediary and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance.
V12 Retail Finance Limited registered in England and Wales 4585692. Authorised and regulated by the Financial Conduct Authority; FCA registration number 679653. Registered office: V12 Retail Finance Limited, Yorke House, Arleston Way, Solihull, B90 4LH. Correspondence address: 25-26 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ. Not all products offered by Secure Trust Bank T/A V12 Retail Finance are regulated by the FCA.
How To Apply?
You can apply 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.
Do I Qualify For Finance And What Do I 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.
Financial Ombudsman Service
In the unlikely event, you are still dissatisfied and your agreement is regulated by the FCA, you are entitled to refer your complaint to the Financial Ombudsman Service free of charge. This should be done straight away, but must be within six months from the date of our final response. Further information regarding the Financial Ombudsman Service can be found on their website at www.financial-ombudsman.org.uk
The Benefits Of Buying Jewellery With Finance
- Buy the jewellery you want with as little as 10% deposit.
- Choose 12, 24, 36 month repayment periods, available at 9.9% APR Representative 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 a loan.
- Keep cash for day-to-day expenses.
- Fixed payments allowing you to budget effectively.
How To Finance An Engagement Ring
Engagement rings are expensive, and that’s why purchasing one can be a major financial decision. Luckily, at Diamonds Factory, there are a number of finance options available depending on the repayment period that you would prefer to choose.
Engagement Rings Pay Monthly
Pay monthly options for engagement rings are a popular choice. Even if people have the cash straight away, some people prefer to pay by taking out a pay monthly option to finance their engagement ring.. This gives more financial freedom and flexibility asthey do not need to spend their savings in full, and the payments can be spread over several months. All monthly payments are paid by direct debit from your bank account with the first payday due one month after the date of the agreements and then on that day of the month, every month, for the length of your loan term.
Finance Engagement rings with Klarna
Currently, we do not accept engagement rings, or any type of jewellery, to be paid using Klarna.
0% APR options for engagement rings
We offer 0% APR loan options for engagement rings if the length of repayment is 6 months. If you choose to pay across 6 months, a 10% deposit will be required.
You can also choose a 12, 24 or 36 months loan repayment if 6 months is not suitable with our 9.9% APR Representative interest loans and a 10% deposit.
Credit Checks on Engagement Rings
If you wish to take out engagement ring finance, you will first need to apply. To do this, simply select this method of payment during the final stage of the checkout process. Or, you can speak to a member of our sales team who will be happy to help you. It doesn’t take too long to find out whether you qualify for finance. All we need is a simple credit check, and for you to meet the criteria as mentioned earlier. In most instances, you will get a decision straight away.
Once everything has gone through, and your payment plan has been set up, you may then want to start considering engagement ring insurance. Read our engagement ring insurance guide for more information.
Frequently Asked Questions
Please take a moment to read through a selection of the most commonly asked questions we receive about finance. If you cannot find a response to a question you might have, please do not hesitate to get in touch on 0207 138 3672.
Get In Touch
If you would like to talk to our friendly Customer Care Team about any of the finance issues outlined above, please get in touch on 0207 138 3672 0207 138 3672 , or enter into a Live Chat as you prefer.