DIAMOND RING SPREAD PAYMENTS
Finance is a great way to spread the cost of your purchase. To make it easy we’ve teamed up with Deko whose technology lets you apply for and complete a loan application quickly, easily and informatively.
Simply add the items you love to your basket. Once you are at the checkout select the finance option that suits you and choose Deko. The quick application form is simple and should take no more than a couple of minutes to complete and you will receive a decision instantly. Easy!
Finance Eligibility
You will only be considered for finance if you:
• Are at least 18 years old
• You're in paid employment or have a regular income (minimum 16 hours per week or £6,000 per annum, unless you are retired and receiving a pension or in receipt of disability allowance)
• Are a permanent UK resident and have lived in the UK for at least 3 years
• Have a UK bank account capable of accepting Direct Debits
• Have a good credit history with no late payments, debt relief orders, County Court Judgment (CCJs), Individual Voluntary Arrangement (IVAs) or bankruptcies
• Provide an email address so your documentation can be emailed to you.
Our Payment Plan Options
We offer a range of interest bearing finance options to help you spread the cost of your purchase over 12 to 48 months. The value of the loan needs to be over £250 and you can choose a deposit of up to 50% of the value of the goods.
Finance Options
Representative examples could be based on the below:
- Total Order Value = £600
- 10% Deposit = £60
- Total Amount of Credit = £540
- Duration = 12 Months
- Representative APR = 16.9%
- Interest Charged = £47.08
- 12 Monthly Payments of = £48.92
- Total Amount Payable = £647.08
Take a look at our products available with finance and shop now.
Financial Decisions
If approved for finance, Deko will let you know who your lender is and provide you with their full contact details and information. You then just need to digitally sign your credit agreement, pay your deposit and wait for your order to arrive.
In a few cases, your application may be referred to a lender for manual assessment and you’ll be notified by email of the credit decision within 24 hours. If you’re not approved for finance it could be for a variety of reasons and the lender will be able to give you more information.
Repaying The Loan
Cancellation
A payment plan does not affect our standard refund and returns policy. Just contact us and we’ll cancel your application and the lender will refund your deposit and let you know of any outstanding balance if applicable.