Finance information

Can I pay by instalments?

Yes, you can. We offer 2 methods for paying by instalments: one is for items UNDER £375 pounds, and the other is for items OVER £375. 0% Interest is available on specific amounts, terms apply.

ITEMS UNDER £375 ITEMS OVER £375

Paying in instalments for items UNDER £375

For items sold by The Diamond Store under the price of £375, we offer you the payment option of Pay Later in 3Klarna Instalments. This payment method will allow you to spread the cost of your purchase over 3 equal payments.

The payment for each instalment will automatically be collected from the debit or credit card that you entered at checkout. Your first instalment will be collected when your order is confirmed by The Diamond Store and instalments 2 and 3 are scheduled 30 and 60 days later, respectively.

How To Apply

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. You must be a UK resident over 18 to apply.

Read more about how Pay Later in 3Klarna Instalments works here.

Please spend responsibly. Borrowing more than you can afford could seriously affect your financial status. Make sure you can afford to make your monthly repayments on time.

Regalian Ltd. trading as The Diamond Store is not a lender and acts only as an introducer. The credit product is provided by Klarna Bank AB (publ). Credit is only available to permanent UK residents aged 18 and over, depending on their status. Terms and conditions apply. Please note that Pay in 30 days and Pay in 3 instalments are not regulated by the FCA.

Paying in instalments for items OVER £375

0% Interest available on sales over £375

To see how much you can qualify for, simply use our Finance Calculator.

Finance calculator

Use this calculator to see how much you can qualify for, just drag the sliders to the right:

Price £:

Deposit £:

Monthly Repayment:: £

Deposit:: £
Total Repayable:: £
Total Interest:: £

Amounts above based on % interest with monthly payments.
0% Finance available on items over £375
Subject to status, terms and conditions.
Finance by Secure Trust Bank PLC trading as V12 Retail Finance

Applicable to all jewellery we sell on our website at a value over £375, we offer our customers the opportunity to pay by instalments. Our selection of interest rates and deposit amounts is very competitive.

Applying for finance is fast and easy. Complete the credit agreement, sign it online and get an instant credit decision. Upon acceptance, pay your deposit and you’re done.

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.

To see how much you can qualify for, simply use our Finance Calculator.

Qualifying For Credit

You must be over 18 years of age.
You must be a UK resident with at least 3 years’ continual address history.
You, or your partner, must be in permanent paid employment, self-employed, retired and receiving a pension, or a working student in part-time work or in receipt of a disability benefit.
You must have a debit or credit card in your name, which is registered to your address, in order to pay for the deposit (if applicable).
You must have a UK bank or building society account capable of accepting direct debits.
The goods must be delivered to your home address.
Please note that discount/voucher codes cannot be applied to items purchased with the V12 Retail Finance option.

Who provides finance?

Secure Trust Bank PLC trading as V12 Retail Finance

TheDiamondStore.co.uk
Loan agreements are only available to UK residents over 18, subject to status. Terms and conditions apply. Minimum spend applies.

V12 Retail Finance is a trading style of Secure Trust Bank PLC. V12 Retail Finance is regulated by the Financial Conduct Authority.

Regalian Ltd trading as The Diamond Store acts as a credit broker and offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. The Diamond Store is authorised and regulated by the Financial Conduct Authority. Our registration number is 731102. Credit provided subject to age and status.

TheDiamondStore.co.uk
We can introduce you to a limited number of finance providers: We act as credit broker and not a lender:

Regalian Ltd t/a The Diamond Store acts as a credit broker and will introduce you to V12 Retail Finance Limited to complete your application for finance. We may receive a commission if your application is successful, and the amount may vary depending on the product chosen and the amount of credit taken out.

Regalian Ltd t/a The Diamond Store, Registered 5736216, Trading Address (No Returns Here Please), Suite 17410, 20-22 Wenlock Road, London N1 7GU

Finance Example

The following example is based on a purchase of £539 with a 50% deposit and payments at 0% interest over 6 months.

Finance Option: 6 Month Interest Free (50% Deposit Only)
Annual rate of interest: 0%
Deposit: 50%
Monthly payment: £44.91
Number of monthly payments: 6
Deposit you pay now:£269.50
Loan amount to be repaid:£269.50
Cost of loan (interest):£0.00
Total amount payable (including deposit):£539.00

Frequently asked questions

When checking out, just fill out V12 Retail Finance easy online application form and you can be approved for up to £15,000 to spend on the jewellery you wish to purchase. Use our Finance Calculator on the right hand side to determine how much you can spend based on the monthly payments. Credit is subject to status. The minimum order value to pay by finance is £375.

Yes, a minimum 10% deposit will need to be paid upon acceptance.

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. Subsequent monthly payments will be due every month for the entire length of your repayment period, usually on the same day of the month.

Anything on our website. Please remember that the minimum order value for finance is £375.

You can choose a 6, 12, 24 or 36-month loan repayment period.

You can apply on our website. Simply follow the checkout process and select V12 Retail Finance as a payment method.

You can settle your loan agreement at any time. Simply contact V12 Retail Finance and they will calculate and send you your settlement figure. Your settlement figure and date are calculated in line with the Consumer Credit Act.