0% APR FINANCE AVAILABLE
V12 Financing
If your purchase is over £560, 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.
If your purchase is over £2250, we offer a completely interest-free finance option where you can split the cost of your payment
across 12 months with a 10% initial deposit.
We also have various longer period finance offerings too. Spread the cost of your purchase across 12, 24, 36 or 48 months with 9.9%
APR Representative, with just a minimum deposit of 10%.
0% APR Finance
6 month IFC Example
0% APR Finance
12 month IFC Example
9.9% APR Representative
Finance Example
Minimum Loan Value By Product
* Minimum loan value refers to the value that is being loaned by V12 which equals your order value, minus the deposit.
6 IFC 0% APR - Min Loan Value £500 - Max Loan Value £25,000
12 IFC 0% APR - Min Loan Value £2000 - Max Loan Value £25,000
12 Months Classic Credit 9.9% APR - Min Loan Value £500 - Max Loan Value £25,000
24 Months Classic Credit 9.9% APR - Min Loan Value £1000 - Max Loan Value £25,000
36 Months Classic Credit 9.9% APR - Min Loan Value £1500 - Max Loan Value £25,000
48 Months Classic Credit 9.9% APR - Min Loan Value £4000 - Max Loan Value £25,000
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.
Please note - 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 6, 12, 24, 36 or 48 month repayment periods, available at 9.9% APR Representative interest rate.
- Invest in more luxurious 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 effectively plan your monthly outgoings.
How to finance an Engagement Ring
Engagement rings are considered purchases, 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 as they 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 or 12 months. If you choose to pay across 6 or 12 months, a minimum of a 10% deposit will be required. You can also choose a 24, 36 or 48 months loan repayment if 6 or 12 months is Interest Free Credit 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.
Klarna
Pay with Klarna – Flexible Payment Options, Just for You!
We’ve teamed up with Klarna to provide flexible payment options, allowing you to shop the way you want.
With Klarna, you can split your payment into 3 instalments or choose to pay later, making your shopping experience smoother and more convenient.
Your order total must be between £100 and £499 to qualify.
Why Choose Klarna?
- Flexible Payments: Pay in easy instalments that suit your budget.
- Interest-Free: No interest if you pay on time.
- Secure Transactions: Klarna uses industry-leading security to protect your data.
- Fast & Simple: Quick approval process with no extra hassle.
How It Works:
- Select Klarna at Checkout: When you’re ready to complete your purchase, choose Klarna as your payment method.
- Choose Your Payment Plan: Klarna offers multiple ways to pay, whether you prefer to pay in 30 days or split your payments into instalments.
- Complete Your Purchase: Klarna will guide you through the rest—no extra forms or paperwork!
V12 FAQs
How much can I borrow?
How much can I borrow?
0% APR interest is available on all jewellery for sales above £560, made payable over 6 months with a minimum of 10% deposit or for orders over £2250 we offer 12 months with a minimum of a 10% deposit. We also offer a 9.9% APR Representative interest credit option with a minimum of 10% deposit, which can be made payable over 12, 24, 36 or 48 months.
Is a deposit required?
Is a deposit required?
Yes, a minimum of 10% deposit will need to be paid upon acceptance for 0% APR interest loans payable over 6 or 12 months. For 9.9% APR Representative interest loans, paid across 12, 24, 36 or 48 months, a minimum of 10% deposit is required.
How are my monthly payments made?
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 loan term, on that day of the month.
What type of jewellery can I buy on finance?
What type of jewellery can I buy on finance?
You can purchase anything you like, as long as it meets the criteria set out here. Please remember that the minimum order value for finance is £560.
What length of repayment is available?
What length of repayment is available?
Length of repayment is 6 or 12 months for 0% APR interest loans and you can choose a 12, 24, 36 or 48 months loan repayment period for our 9.9% APR Representative interest loans.
How do I apply?
How do I apply?
You can apply on our website. Simply follow the checkout process, once you have selected the items you want, and select V12 Retail Finance as a payment method.
Klarna FAQs
Is there any interest with Klarna?
Is there any interest with Klarna?
No, as long as you make your payments on time, there’s no added interest or fees.
What happens if I miss a payment?
What happens if I miss a payment?
Klarna will send you reminders and may charge a late fee if you don’t pay on time.
Can I return items purchased with Klarna?
Can I return items purchased with Klarna?
Yes! If you return items, Klarna will process your refund.
Trusted and Secure
Trusted and Secure
Klarna is trusted by millions of shoppers worldwide and partners with thousands of leading retailers to make your shopping experience better. Rest assured, all your transactions are handled securely and your data is protected.