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Engagement Rings Finance | 0% Interest-Free Finance for Jewellery


Buy Now - Pay Later Engagement Rings Wedding Rings and Jewellery


At Serendipity Diamonds we now offer jewellery on finance. For example, we offer finance on engagement rings, wedding rings and diamond jewellery.  Finance helps to spread the cost of payment over your chosen term. 


Our simple, and easy to use finance application is open to UK residents. With an order value over £500 applications are subject to approval. Buy now pay later jewellery with a deposit helps to spread cost. Furthermore, we include the option of 0% Interest-Free Credit. 


The following finance packages appear online. 


NEW! 12 Months Interest Free Credit 0% APR (our most popular option) 

 NEW! 24 Months Low Rate Credit 4.9% APR (second most popular choice)

NEW! 36 Months Low Rate Credit 9.9% APR

NEW! 48 Months Promotional Credit 14.9% APR


We ship financed jewellery once completed. Spread your payment over your chosen term.  Please note that a minimum £500 spend applies. Typical suggested deposit - 10% - 25% of purchase price. 


Engagement Rings Finance 


Wedding Rings Finance 




What if you're unable to qualify for finance? Payment Plans at Serendipity Diamonds. 


Some clients do not quality for engagement ring finance. For example, some clients have poor credit scores. Other clients do not quality due to their location outside the UK. At Serendipity Diamonds, we offer a layaway style of payment plan. Clients pay for their jewellery over an agreed timeframe. Upon payment of the final instalment, we ship the item by secure delivery. The layaway payment plan is very popular for anyone who does not want to apply for finance. 


Applying online for finance is easy 


Please apply for finance online using our built-in finance application when making your purchase. The following screenshot shows where to begin the process. Options include an interest-free credit option. After filling out your name and address information, you will be re-directed to the finance application. This online process includes a quick decision. Typically, within a very short space of time. Occasionally, the lender may request additional information from the applicant and our team are always on hand to assist. 

Engagement Rings Finance


Please note that finance is available on any jewellery priced at £500.00 or above. This service is available within the UK only and subject to conditions. Our online application is available directly through our product pages. Choose from various options including 0% interest-free finance on all engagement rings with a 10% deposit. In addition, we have a low rate of finance for terms upto and including 48 months. 


Wedding Rings Finance


Some clients purchase wedding rings on finance. Owing to the cost of weddings, it makes sense to spread the cost of an expensive pair of wedding rings. In the same way as financed engagement rings, we offer finance for wedding bands. Provided the total purchase price exceeds £500, you can apply online. Alternatively, apply with us in person during your showroom visit.


Please contact us if you require finance over a different term and we will put together a finance illustration based on your requirements. 

Application Criteria


If you are based within the UK, we have a range of finance options available subject to application and approval. Please ensure that the following criterial apply before application. You must :


Be over 18 years of age and employed at least 16 hours per week.

Be a UK resident with min. 3 years continual address history in UK. 

Have a good credit history (no late payments, debt relief orders, CCJ's, IVA's or bankruptcies)

Have a UK bank account capable of accepting Direct Debits.

Have the goods delivered to your home address. We delivery only to the billing address. i.e. your home address registered with your bank. 

Online finance application for jewellery


Apply for finance speedily online with a quick decision. Once your item options exceed £500 in price, our finance link appears next to the product. Alternatively visit us in store to apply in our showroom. Our screenshot shows a typical finance illustration on our website. 


What are the Benefits of jewellery finance?


Finance enables you to make your purchase, spreading repayments over 12 months, 24 months 36 months or 48 months. Once your item of jewellery is made, we post this straight out without delay. In addition, clients choose a deposit based on the purchase price. To clarify, this is typically between 10% and 50% of the purchase price. 

Early Repayment for jewellery finance?


Finance can be settled prior to the end of the term by contacting the lending bank. They will confirm the outstanding balance. 


Interest-Free Credit for engagement rings and jewellery


We can provide 12 months interest-free credit (0% APR representative) on website orders valued at £500 or above. A 10% deposit is requested after acceptance. Online this is paid securely through the application process via Deko. 


Finance Quotes


Please contact us for quotes and illustrations based on your requirements for finance. 


Variable Deposit


You can apply for finance with an initial deposit payment (made via Deko) equal to between 10% – 50% of the purchase price. The deposit amount is set on our website, but please contact us for alternative arrangements. 


Cancelling finance on jewellery?


If you decide to return your item within the 60 days returns period (see our terms and conditions) finance will be cancelled and your deposit refunded. Please contact us for further information relating to our Terms and Conditions. 

Your credit score and jewellery finance


Please note that we act as a broker for finance only. All applications are underwritten by Klarna. In addition, we have no insight into your credit score. Applications go through assessment based on your own personal circumstances. 

Slice it with Klarna engagement ring finance


You might have heard of Klarna. Visit our showroom and you will see reference to 'slice it with Klarna'. The following short video shows easy online applications for Klarna. 

Serendipity Diamonds acts as a credit intermediary and offer credit products provided exclusively by Klarna Bank AB  (publ). Serendipity Diamonds Ltd is authorised and regulated by the Financial Conduct Authority. 


Klarna Bank AB (publ) is Authorised by the Swedish Financial Services Authority (Finansinspektionen) and is subject to limited regulation by the Financial Conduct Authority.  Details about the extent of our regulation by the Financial Conduct Authority are available from us on request. Finance is only available to permanent UK residents aged >18, subject to status, terms and conditions apply.


Registered office: Sveavägen 46, 111 34 Stockholm, Sweden. Corporation ID number: 556737-0431.


Serendipity Diamonds Ltd. 186 High Street, Ryde, Isle of Wight. PO33 2PN. 

Loan agreements are only available to UK residents over 18, subject to status, terms and conditions apply. If you wish to apply for finance, your total purchase price must be £500 or over.