Finance
Searching for the diamond ring of your dreams? Or a piece diamond jewellery for someone special? Explore our selection of interest free finance options to accommodate all budgets. Read our guide to learn more about how you can buy now and pay later.
Apex Jewellers Ltd T/A Shining Diamond’s finance is provided by V12 retail finance. They provide 0% APR over 6 months and 12, 24, 36 and 48 months at 9.9% APR Representative on purchases of £500.00 and over.
Apex Jewellers Ltd T/A Shining Diamond is authorised and regulated by the Financial Conduct Authority and is the broker and not the lender. Our FCA registration number is 05297666. Apex Jewellers Limited offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Credit is provided subject to affordability, age and status. Minimum spend applies. Not all products offered by Secure Trust Bank PLC are regulated by the Financial Conduct Authority.
| Minimum Spend | £500.00 |
| Available Credit Terms | Orders over £500.00: 6, 12, 24, 36, 48 months |
| APR | 0% APR on 6 months interest free. 9.9% APR Representative on 12, 24, 36 and 48 months. |
| Deposit | Minimum 10%; Maximum 50% |
Subject to age and status*
The following interest free credit payment terms are available. A minimum 10% deposit is required.
| Orders Over | Payment Terms | |
| Up to 6 months 0% APR Interest Free Credit | £500.00 | 6 months |
| Up to 4 years 9.9% APR Representative Credit | £500.00 | 12, 24, 36, 48 months |
Subject to age and status*
For an idea of what your V12 retail finance payments will look like with these examples.
| Up to 6 months 0% APR Interest Free Credit | Up to 4 years 9.9% APR Representative Credit | |
| Qualifying Products | Purchases over £500.00 | Purchases over £500.00 |
| Cash Price | £650.00 | £884.00 |
| Deposit | £50.00 | £100.00 |
| Amount of Credit | £600.00 | £784.00 |
| Loan Term | 6 months | 12 months |
| Annual Rate of Interest | - | 10.43% Fixed |
| Monthly Repayment | £100.00 | £69.70 |
| Representative APR | 0% APR | 9.9% APR Representative |
| Total Cost of Credit | £0.00 | £41.40 |
| Total Amount Payable | £650.00 | £925.40 |
| First payment Occurs | After 1 month | After 1 month |
Subject to age and status*
HOW TO APPLY FOR V12 RETAIL FINANCE?
Applying for V12 retail finance is quick and easy. The whole process takes just a few minutes and, in most cases, you will get an instant decision.
1. ShopStart shopping and customising your item. Once you’re ready, select ‘Finance from’ to view the finance options available.
2. BasketIf you haven’t gone via the above method, you can select Payment Method ‘Finance’ before selecting your desired option.
3. ApplyYou will be redirected to the V12 retail finance portal to complete your application.
4. DecisionA decision is typically made within a few minutes.
5. EnjoyOnce your item is ready it will be shipped to your billing address.
Please note that we will only ship items to the customer’s billing address.
DECLINED APPLICATIONS
If your finance application is declined, please be aware that we are unable to provide any further information about this decision. If you have any questions, please contact the finance provider direct.
Apex Jewellers Ltd T/A Shining Diamond act as a credit broker, not a lender and offers credit products from Secure Trust Bank PLC T/A V12 Retail Finance.
Apex Jewellers Ltd T/A Shining Diamond is authorised and regulated by the Financial Conduct authority 05297666. Credit is subject to age and status.
Please note, not all products offered by Secure Trust Bank PLC T/A V12 Retail Finance are regulated by the Financial Conduct Authority
Finance FAQ’s
Finance eligibility is assessed on an individual basis. However, to apply for diamond financing, you must first meet the following criteria:
- You must be 18 years of age or older.
- 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.
Any of our diamond jewellery that priced £500.00 or upwards is available for financing. This includes our diamond rings, wedding rings, diamond necklaces, diamond earrings and the remainder of our jewellery collection. So whether you’re looking to pop the question with the perfect engagement ring or buy a beautiful gift for your loved one, you can buy now and pay later with our variety of finance options.
Yes, we require a minimum 10% deposit for 0% APR interest loans payable over a 6 month period. However, if you require more than a 6 month repayment period, you can extend this up to 48 months with our 9.9% APR interest loans. Again, these loans also require a 10% deposit upon acceptance.
Yes, you can make a lump sum payment (or multiple additional payments) to reduce the duration of your overall payment period. Alternatively, you can opt to make additional payments whilst honouring the original term of your agreement to reduce the sum of your monthly repayments.
Buying diamond jewellery on finance offers several benefits, including:
- Low monthly payments
- 0% APR for loans payable across a 6 month period
- Fixed payments, perfect for budgeting
- Flexibility with our selection of finance options
- An in-house shopping solution, so you don’t need to contact your bank for a loan
