Finance information - Can I pay by instalments?
0% Interest available on sales over £500
We offer our customers the opportunity to pay by instalments, applicable to all jewellery we sell on our website at a value over £375. Our selection of interest rates and deposit amounts is very competitive.
Applying for finance is fast and easy. Complete the credit agreement, sign it online and get an instant credit decision. Upon acceptance, pay your deposit and you're done.
To see how much you can qualify for, simply use our Finance Calculator.
How To Apply
You can apply for credit by selecting this method of payment at the final stage of the checkout process. It only takes a couple of minutes and you'll get an instant decision.
Qualifying For Credit
Who provides finance?
Close Brothers Retail Finance
- You must be over 18 years of age.
- You must be a UK resident with at least 3 years' continual address history.
- You must be in full-time employment, unless you are 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.
- Please note that discount/voucher codes cannot be applied to items purchased with the Pay4Later finance option.
Loan agreements are only available to UK residents over 18, subject to status, terms and conditions apply.
Close Brothers Retail Finance is a trading style of Close Brothers Limited — a subsidiary of Close Brothers Group plc. Close Brothers Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority.
We may pay brokers some consideration if they introduce business to us.
We can introduce you to a limited number of finance providers: We act as credit broker and not a lender
Pay4Later is an online finance gateway that links retailers and finance companies making it easy for finance companies and retailers to work together to offer consumers fast and convenient point of sale finance. Pay4Later act as a credit broker and not a lender
. Pay4Later can introduce you to a limited number of finance providers.
The following example is based on a purchase of £539 with a 50% deposit and payments at 0% interest over 6 months.
Frequently asked questions
- Finance Option:6 Month Interest Free (50% Deposit Only)
- Monthly payment:£44.91
- Number of monthly payments:6
- Deposit you pay now:£269.50
- Loan amount to be repaid:£269.50
- Cost of loan (interest):£0.00
- Total amount payable (including deposit):£539.00
How much can I borrow?
When checking out, just fill out Close Brothers easy online application form and you can be approved for up to £25,000 to spend on the jewellery you wish to purchase. Use our Finance Calculator on the right hand side to determine how much you can spend based on the monthly payments. The minimum order value to pay by finance is £375.
How are my monthly payments made?
All monthly payments are paid by direct debit from your personal bank account. Typically the first payment will be due one month after the date of the finance agreement. Subsequent monthly payments will be due every month for the entire length of your repayment period, usually on the same day of the month.
How do I apply?
You can apply on our website. Simply follow the checkout process and select Pay4Later as a payment method.
Can I pay off my loan early?
You can settle your loan agreement at any time. Simply contact Close Brothers and they will calculate and send you your settlement figure. Your settlement figure and date are calculated in line with the Consumer Credit Act.