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


Slice-it, pay-later and interest-free finance for jewellery


At Serendipity Diamonds we now offer jewellery on finance. We provide clients with a range of finance options for 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. Our finance options apply to items priced from £35 to £5000 available online and by phone. 


Pay in 3 - Interest-free available on items from £35 - £1000

Pay later - Interest-free finance is available on orders of £1000 max. 


6 months of interest-free finance - available for purchases from £250 - £5000

12 months of interest-free finance - available for purchases from £250 - £5000

24 months interest-free finance- available for purchases from £250 - £5000


Our discount codes do not apply to orders placed with finance. Please contact us for more information and help with our promotions. 


Engagement Rings Finance 


Wedding Rings Finance 




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


Some clients do not qualify for engagement ring finance. For example, some clients have poor credit scores. Other clients do not qualify 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.  After filling out your name and address information at the checkout, you will be redirected to the finance application. This online process includes a quick decision. 

Engagement Rings Finance - 0% APR Representative


Please note that finance is available on any jewellery priced at £35.00 or above. This service is available within the UK only and is subject to conditions. Our online application is available directly through our product pages. 


Wedding Rings Finance - 0% APR Representative


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. 

Early Repayment for jewellery finance?


Some clients decide to settle finance arrangements early before the end of the finance term. We recommend contacting Klarna to arrange a settlement figure and to discuss options in this situation. 


Interest-Free Credit for engagement rings and jewellery


We can provide 6 months, 12 months or 24 months of interest-free credit (0% APR representative) on all jewellery above £250. We have additional slice-it and pay-later options for lower-priced items. 


Arrange a Quote for jewellery finance


Please contact us for quotes and illustrations based on your requirements for finance. As part of our service, we create a dedicated link via Klarna to view your quote, with the option to proceed with no obligation.  

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. 

Borrowing more than you can afford can seriously affect your financial status. Make sure you can afford your monthly repayments on time. Please spend responsibly. Serendipity Diamonds is not a lender and only acts as an introducer. Credit subject to status. 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.


See Klarna's Terms and Conditions. 


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.