• 0% FINANCE
0191 5800118


We offer finance to our customers on all orders over £500. We give you 4 different finance options of 6, 12, 24 and 36 months.
0% interest credit is available for 6 monthly repayments when a 50% deposit is paid.
12.9% APR credit is available for 12, 24 or 36 monthly repayments with a choice of 10% -50% deposit.

How to Apply? On the last page of the checkout select 'Finance' and select your preferred repayment option. After clicking submit you will be redirected to Dekopay to complete you application. It takes a few minutes and you'll get an instant decision.

Qualifying for credit You must be over 18 years of age.
You must be a UK resident and have lived in the UK for at least 3 years.
You must have a gross annual income each year of more than £5,000.
You must have a UK bank account capable of accepting direct debits.
You must not be currently bankrupt, subject to an Individual Voluntary Agreement (IVA), or have any County Court Judgments (CCJs).
The goods must be delivered to your home address.
Dekopay will carry out essential credit checks. An application is more likely to be accepted if you have a good credit history.

How are my monthly repayments made? Your monthly payments will be paid via direct debit from your bank account. Typically the first payment will be due one month after the date of the finance agreement.

Can I pay off my loan early? You can settle your loan agreement at any time. Simply get in touch with Dekopay and they will calculate the outstanding balance and send you your settlement figure. Your settlement figure and date are calculated in line with the Consumer Credit Act.

What type of jewellery can I buy on finance? You can buy anything as long as the value is over £500.

Is a deposit required? Yes, a 50% deposit is required for 0% interest free finance and a minimum of 10% for all other finance options.

How much can I borrow? The maximum lending amount in addition to the upfront deposit is £25,000

Representative example of credit 6 months interest free credit
Total Product Value - £1000
Less deposit (50%) - £500
Amount of credit - £500
Payable by 6 monthly instalments of - £83.30
Total amount payable APR typical 0% - £1000

12 months 12.9% APR credit
Total Product Value - £1000
Less deposit (10%) - £100
Amount of credit - £900
Payable by 12 monthly instalments of - £80.05
Total amount payable APR typical 12.9% - £960.55

Important information Consumer credit service provided by Dekopay (Pay4Later Ltd) in association with Omni Capital Finance and Snap Finance. Dekopay is licensed by the Financial Conduct Authority (Consumer Credit Licence: 0616240). For more information please visit www.dekopay.com.

Omni Capital Finance and Snap Finance are authorised and regulated by the Financial Conduct Authority. For more information please visit www.omnicapitalretailfinance.co.uk and www.snapfinance.co.uk.

ADJ Retail Ltd is authorised and regulated by the Financial Conduct Authority, register number 774874. ADJ Retail Ltd is a broker and not a lender. Finance is provided through the Deko platform by a number of lenders. You will be offered the best rate available based on your credit history and the lenders’ credit decision policies.



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