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Finance

How to Apply

Please select Finance as your preferred payment method where you will be redirected to payment provider “Deko” to complete your finance application. You will then be required to fill in your details accordingly and they will assess your credit application.

Qualifying For Credit

Deko will conduct the necessary credit checks and references in order to confirm your eligibility for the credit application. We ask that you have a good credit history with no history of late repayments or payment issues.

How Much Can I Borrow?

You can borrow up to £{{maxLoanAmount}} on any order that totals £{{maxOrderAmount}} or less. Keep in mind, there is no loan option available for orders that go above £{{maxOrderAmount2}}.

Is a Deposit Required?

A deposit is required on all orders and depending on the finance plan selected ranges from 25% and 35%.

How Are My Monthly Payments Made?

Your monthly repayments will be taken via direct debit from your chosen bank account.

What Type Of Jewellery Can I Buy On Finance?

You are able to purchase all our jewellery and loose diamonds through the finance options available.

What Length Of Repayment Is Available?

You can select 6, 12, 24 or 36 months repayment options depending on the finance plan selected:
1. 6 months - 50% minimum deposit - 0% APR
2. 12 months - 25% minimum deposit - 4.9% APR
3. 24 months - 35% minimum deposit - 9.9% APR
4. 36 months - 25% minimum deposit - 9.9% APR

Can I Pay Off My Loan Early?

Yes, please contact Klarna Bank AB directly 0844 880 6541 in order to make additional payments. Please note that interest rates will be adjusted accordingly.

Standard Information and Regulatory Status of Deko and Klarna Bank AB:

Consumer Credit Service is provided by Deko in association with Klarna Bank AB . Deko is licensed by Financial Conduct Authority (Consumer Credit Licence: 0616240). For more information please refer to our frequently asked questions or visit www.dekopay.com/.

Klarna Bank AB is a trading name of Klarna Bank AB. Klarna Bank AB is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority – firm reference number 124750. For more information please visit https://www.klarna.com/uk/CBRF.

Representative example of credit:

Total Product Value - £6,500
Less deposit (25%) - £1,625
Amount of credit - £4,875
Payable by 6 monthly instalments of - £812.50
Other Charges - £0
Total amount payable APR typical 0% - £6,500

What About Splitit?

With Splitit, you can pay for your fine jewellery purchase in three monthly instalments, all at 0% interest rate. You will be charged for the first instalment up front once you confirm your purchase and the two next instalments will follow monthly. These payments will be charged directly to your credit card, meaning there are no applications or credit checks required.

Simply add your selected items to the basket and choose the Splitit finance option at checkout. You will be directed to a secure payment page to fill in your card details and settle the first of the three payments.

We still offer a 30-day return policy free of charge should you change your mind on your purchase.

Terms and conditions apply. Please note, you must be 18 or over to benefit from flexible payment. Only Visa and Mastercard can be accepted for this transaction.

As these payments are being charged to your credit card, you may be charged interest or charges imposed by your credit card issuer under their agreement.

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