Finance Terms and Conditions

How to Apply

Please select Purchase using Interest Free Credit as your preferred payment method where you will be redirected to the payment provider “Pay4Later” to complete your finance application. You will then be required to fill in your details accordingly and “Pay4Later” will assess your credit application.

Qualifying For Credit

Pay4Later 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. Subject to personal financial circumstances you may be offered an alternative credit.

Please note: Credit is provided subject to status. 0% finance is not available on reduced or promotional items.

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.

Interest Free Credit is available to our United Kingdom clients, on our fine jewellery and watches up to £25’000 online. Finance is available on purchases of £500 or more. You can apply online – it’s quick, easy and you’ll get an instant decision.


Frequently Asked Questions

How Much Can I Borrow

The maximum lending amount in additional to the upfront deposit is £25,000 (total purchase price of £50,000 with a 50% deposit)

Is a Deposit Required

A deposit is required on all orders and depending on the finance plan selected ranges from 25% and 50%

How are 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 most of our jewellery and watches through the finance options available over £500.00

Please note that this excludes and ‘special offer’ ‘clearance, second hand and antique jewellery’ as well as selected branded watches

What length of repayment is available

You can select 6, 12, 24 or 36 month repayment options depending on the finance plan selected.

Can I pay Off My Loan Early?

Yes, please contact pay4later directly.

Standard Information

Consumer credit service provided by Pay4later in association with Retail Money Market Ltd trading as Ratesetter. Pay4Later is licensed by the financial conduct authority (consumer credit license: 0616240). For more information please refer to the website frequently asked questions or visit

Ratesetter is authorised and regulated by the financial conduct authority (FCA) with the reference number 633741. Ratesetter is not covered by the Financial compensation scheme. Registered offices are at 406 Great Guilford Business Square, 30 Great Guilford Street, London SE1 0HS. For more information please visit

V12 Retail Finance Limited are owned by Secure Trust Bank PLC. Registered in England and Wales 541132. Registered Office: One Arleston Way, Solihull, B90 4LH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.