Engagement Ring Financing

Buy Now, Pay Later

When you fall in love with a diamond ring, nothing should stop you from putting it on your loved one’s finger. That’s why we offer fantastic diamond finance options on Klarna including 0% APR on minimum orders of £1,000. Browse our engagement ring finance options below:

Do I qualify for diamond finance? 

To apply for our diamond ring finance, you must meet the following criteria:

  • You must be over 18 years of age.
  • You must be a UK resident with at least 3 years continuous address history.
  • You must be in full time employment, unless retired or a house person with a spouse in full time employment.
  • You must have a UK bank account capable of accepting direct debits.
  • The goods must be delivered to your home address that is stated on the finance application.
What finance options are available? 

We have a varied selection of diamond ring financing options available:

Our 0% APR options:

  • 6 months - 6 months interest free, 0% APR. Minimum order amount: £1000.00. Maximum order amount: £12500.00. Deposit amount: 10% - 50%.
  • 12 months - 12 months interest free, 0% APR. Minimum order amount: £1500.00. Maximum order amount: £12500.00. Deposit amount: 25% - 50%.
  • 24 months - 24 months interest free, 0% APR. Minimum order amount: £2500.00. Maximum order amount: £12500.00. Deposit amount: 50%.
  • 36 months - 36 months interest free, 0% APR. Minimum order amount: £3000.00. Maximum order amount: £12500.00. Deposit amount: 50%.

Our 14.9% APR options:

  • 6 months (interest bearing) - 6 months interest bearing, 14.9% APR. Minimum order amount: £500.00. Maximum order amount: £999.00. Deposit amount: 10% - 50%.
  • 12 months (interest bearing) - 12 months interest bearing, 14.9% APR. Minimum order amount: £500.00. Maximum order amount: £1499.00. Deposit amount: 10% - 50%.
  • 24 months (interest bearing) - 24 months interest bearing, 14.9% APR. Minimum order amount: £500.00. Maximum order amount: £2499.00. Deposit amount: 10% - 50%.
  • 36 months (interest bearing) - 36 months interest bearing, 14.9% APR. Minimum order amount: £500.00. Maximum order amount: £2999.00. Deposit amount: 10% - 50%.
How much deposit is required? 

The deposit required is determined by which finance option you take. We require a minimum of 10% of the final order for most of our options however a 50% deposit needed for our 12, 24 and 36 months interest-free credit options. For example, if your final order comes to £1,000, we will require a minimum deposit of £100.

The minimum diamond loan amount (the product price minus the deposit) should come to £450. The maximum deposit amount payable is capped accordingly.

Who is the finance provider? 

Our Finance Provider is Klarna ("Klarna Bank AB (publ)"). We ("HJ Diamonds Limited", trading as Finecraft Jewellery) act as licensed credit brokers between our customers and Klarna.

What length of repayment is available? 

For both our 0% interest and interest bearing options, our repayment length is between 6 and 36 months.

Can I repay my loan early? 

You can settle your diamond loan at any time. Simply contact Klarna and they will calculate your remaining balance to send you your settlement figure. Your settlement figure and date are calculated in line with the Consumer Credit Act.

How quickly will my application be processed? 

Your application will be processed as soon as you complete your application online and you will receive an instant decision: Approved, Referred or Declined. You will be sent an email to confirm the status of your application as soon as it has been processed.

What type of jewellery can I purchase on finance? 

As long as your order meets our minimum finance order amount, you can purchase all of our jewellery on finance – this includes diamond earrings, bracelets and pendants.

How do I apply for diamond finance? 

Applying for finance is simple, select your desired product and add it to your basket. At the checkout, select "Klarna Finance" as your payment method. You can then select a finance plan and complete your purchase.

0% Finance Engagement Rings from Finecraft Jewellery

Ready to buy your next piece of diamond jewellery on finance? Browse our eclectic range of diamond jewellery online or in our Hatton Garden Jewellers. If you need more information, why not contact a member of our helpful sales team – they’ll be more than happy to help with more information.

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