If you prefer to split the cost of your payments, finance may be the ideal payment method.

0% finance is available on jewellery above £250. You can pay across 6 months with a deposit of 10%.

You also have the option of Classic Credit split across 24, 36, or 48 months at 9.9% APR with a deposit of at least 10%.

0% APR Finance Example

Cash Price
Deposit 50%
Amount of credit
Cost of loan
Total amount payable
Payable by 6 monthly payments

9.9% APR Finance Example

Cash Price
Deposit 50%
Amount of credit
Cost of loan
Payable by 12 monthly payments
ARP 9.9%

Cost of the loan

It is important to remember that the cost of the loan will vary depending upon which type of finance method applies, the price of the jewellery piece and the length of the repayment term you choose.

Please note - finance examples shown are subject to status and terms and conditions apply.

Credit Provider

V12 Retail Finance provides credit on behalf of the lender - Secure Trust Bank PLC.

V12 Retail Finance is regulated and authorised by the Financial Conduct Authority. For more information, please visit Registration number - 679653.

Secure Trust Bank PLC is regulated by the Prudential Regulation Authority and the Financial Conduct Authority and is authorised by the Prudential Regulation Authority.

To apply for finance

If you wish to apply for finance, select this method of payment at the final stage of checkout to get an instant decision.

Before applying, it is important to check whether you meet the following criteria:

  • You are over 18 years old.
  • You are a UK resident with at least 3 years continual address history.
  • You are in full-time employment, or you are retired or have a spouse in full-time employment.
  • You have a UK bank account capable of accepting Direct Debits.
  • You wish for the goods to be sent to your home address.


Yes, the amount of deposit required depends on the type of finance plan you choose and the cost of the jewellery piece. For 0% interest loans, a minimum of 10% deposit is required for loans paid over 6 months and 30% deposit for those paid over 12 months. A minimum 10% deposit is required for 9.9% interest loans paid across 24, 36, or 48 months.

Your monthly payments will be made by direct debit from your personal bank account. The first payment will be expected one month after the date of the finance agreement and subsequent monthly payments will be due on that date every month for the length of your agreed loan term.

If you qualify for a 0% interest loan, the length of repayment is 6 months. For those who qualify for our 9.9% interest loan, you can choose a 24, 36, or 48 month repayment period.

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

If you would like to find out more about our finance options simply get in contact with our customer care team on 020 7660 1529 or [email protected].