How to Apply
Please select Finance as your preferred payment method where you will be redirected to payment provider “Deko” to complete your finance application. You will then required to fill in your details accordingly and they will assess your credit application.
Qualifying For Credit
Deko 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.
How Much Can I Borrow?
The maximum lending amount in additional to the upfront deposit is £25,000 (total purchase price of £38,000 with 35% deposit).
Is a Deposit Required?
A deposit is required on all orders and depending on the finance plan selected ranges from 25% and 35%.
How Are My 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 all our jewellery and loose diamonds through the finance options available.
What Length Of Repayment Is Available?
You can select 6, 12, 24 or 36 months repayment options depending on the finance plan selected:
1. 6 month Interest free credit 25% deposit – 0% APR
2. 12 month classic credit 25% deposit – 4.9% APR
3. 24 month classic credit 35% deposit – 4.9% APR
4. 36 month classic credit 25% deposit – 9.9% APR
Can I Pay Off My Loan Early?
Yes, please contact Klarna Bank AB directly 0844 880 6541 in order to make additional payments. Please note that interest rates will be adjusted accordingly.
Standard Information and Regulatory Status of Deko and Klarna Bank AB:
Consumer Credit Service is provided by Deko in association with Klarna Bank AB . Deko is licensed by Financial Conduct Authority (Consumer Credit Licence: 0616240). For more information please refer to our frequently asked questions or visit www.dekopay.com/.
Klarna Bank AB is a trading name of Klarna Bank AB. Klarna Bank AB is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority – firm reference number 124750. For more information please visit https://www.klarna.com/uk/CBRF.
Representative example of credit:
Total Product Value - £6,500
Less deposit (25%) - £1,625
Amount of credit - £4,875
Payable by 6 monthly instalments of - £812.50
Other Charges - £0
Total amount payable APR typical 0% - £6,500