At Buyfinediamonds we want to ensure everyone can have their perfect engagement ring. With our finance options you can get the highest quality jewellery for your budget

QUESTIONS ABOUT BUYFINEDIAMONDS JEWELLERY

  • 1How to Apply

    Please select Finance as your preferred payment method where you will be redirectly to payment provider “Pay4Later” to complete your finance application. You will then require filling in your details accordingly and they will assess your credit application. Pay4Later will conduct the necessary credit checks and references in order to confirm your eligibility for the credit application. We ask thousandst you have a good credit history with no history of late repayments or payment issues.

  • 2The Benefits Of Buying Jewellery With Finance

    • Buy the jewellery you want with just a 50% deposit and just 6 monthly interest free payments on minimum £500 orders.
    • Choose 12, 24 or 36 months repayment periods, available at variable interest rate.
    • Invest in more expensive jewellery now but with low monthly payments.
    • One stop shopping, no need to go to the bank to secure a loan.
    • Keep cash for day-to-day expenses.
    • Fixed payments allowing you to budget effectively.
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  • 3How Much Can I Borrow?

    The maximum lending amount in additional to the upfront deposit is £25,000 (total purchase price of £50,000 with 50% deposit).

  • 4Is a Deposit Required?

    Yes, 50% deposit is required on all orders.

  • 5How Are My Monthly Payments Made?

    Your monthly repayments will be taken via direct debit from your chosen bank account.

  • 6What Type Of Jewellery Can I Buy On Finance?

    You are able to purchase all our jewellery and loose diamonds through the finance options available.

  • 7Can I Pay Off My Loan Early?

    You can settle your loan agreement at any time. Simply get in touch with Pay4later 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.

  • 8If you refuse my application, what is the reason?

    • You will not be given a reason for your application being refused, but if refused it will usually be for one of the following reasons, or combination of these factors:
    • Your credit score/rating
    • You are considered to be overcommitted
    • You are aged under 18
    • Your existing account performance with other lenders
    • Please bear in mind that it is not Buyfinediamonds who have declined your application, it is pay4leter who are providing you the finance, and we cannot give you any information regarding why your application was refused.
    • The Credit Reference Agency gives you a credit score based on their assessment of your credit history, for example your payment history on any current or settled financial commitments. This score is then used as part of the assessment of your application which on this occasion did not meet our minimum requirements.​