Finance Terms & Conditions

How to Apply

Please select Finance as your preferred payment method where you will be redirected to payment provider “Pay4Later” to complete your finance application, Please fill in your details accordingly and they will assess your credit application.

Qualifying For Credit

Pay4Later 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 £50,000 with 50% deposit).

Is a Deposit Required?

A deposit is required on all orders and depending on the finance plan selected ranges from 10%, 25% and 50%.

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 50% deposit – 0% APR 2. 12 month classic credit 25% deposit – 9.9% APR 3. 24 month classic credit 25% deposit – 19.5% APR 4. 36 month classic credit 10% deposit – 19.5% APR

Can I Pay Off My Loan Early?

Yes, please contact Close Brothers Retail Finance directly 0844 880 6542 in order to make additional payments. Please note, interest rates will be adjusted accordingly.

Standard Information and Regulatory Status of P4L and Close:

Consumer credit service provided by Pay4Later in association with Close Brothers Retail Finance. Pay4Later is licensed by Financial Conduct Authority (Consumer Credit Licence: 0616240). For more information please refer to our frequently asked questions or visit

Close Brothers Retail Finance is a trading name of Close Brothers Limited. Close Brothers Limited 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

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*Not all products purchased during the Black Friday weekend are guaranteed for pre-Christmas delivery.
Black Friday / Cyber Monday sale ends Monday 28th November 2016.