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


Buy Now - Pay Later Engagement Rings and Jewellery


At Serendipity Diamonds we now offer jewellery and engagement rings on finance 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 subject to application and approval. Buy now pay later jewellery with a deposit is finally available at Serendipity Diamonds. We include the option to purchase your engagement ring or item of jewellery with 0% Interest-Free Credit. The following finance packages can be applied for instantly 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


All jewellery purchased via finance is sent out to you upon completion—allowing you to spread the payment over your chosen term.  Please note that a minimum £500 spend applies. Typical suggested deposit - 10% of purchase price. 


Engagement Rings Finance 


Wedding Rings Finance 



What if you're unable to qualify for finance?


If you do not qualify for finance (for any one of a number of reasons) don't despair. At Serendipity Diamonds, we offer a layaway style of payment plan. Clients pay for their jewellery over an agreed timeframe (typically 3 months) and receive the item once paid for. 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. After filling out your name and address information, you will be re-directed to the finance application to apply online for a speedy decision. Most decisions are made 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. 


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

Applying for Jewellery Finance


The easiest way to apply is by applying online. If you have specific requirements please contact us for additional guidance. Our website features a very simple application process directly from each product page. 


What are the Benefits?


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. 


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. 


Wedding Rings Finance


At Serendipity Diamonds, we have wedding rings finance available on any combined order £500 or more. This includes the opportunity to apply for 12 months 0% interest-free finance on all wedding rings. Apply online for an instant decision. All wedding rings finance is subject to conditions. We create wedding rings in most precious metals and sizes for both men and women and we are happy to provide finance in the UK for both plain and diamond set wedding rings. 


Jewellery finance with a low deposit 


We are unable to arrange finance without a deposit. We recommend a deposit between 10% to 50% of the purchase price. Please contact us for more help and guidance on any aspect of financing an engagement ring, wedding ring or item of jewellery. 

Serendipity Diamonds acts as a credit intermediary and offer credit products provided exclusively by Klarna Bank AB  (publ).


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.  
 
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