Finance Information
0% Interest (APR Representative) available on sales over £375. Terms apply.
Applicable to all jewellery we sell on our website at a value over £375, we offer our customers the opportunity to pay by instalments. Our selection of interest rates and deposit amounts is very competitive.
You can apply for credit by selecting this method of payment at the final stage of the checkout process.
Applying for finance is fast and easy. Complete the credit agreement, sign it online and get an instant credit decision. All finance decisions will be made within 60 seconds. Once you are approved, we will contact you (during working hours Monday to Friday) to arrange delivery. If your application is referred to Novuna’s Underwriting Team, we will review your application and may request some further information from you before making their decision. Once your application is finished, simply pay your deposit.
Unfortunately, we are unable to offer online finance to residents of Eire. Homemakers aren't excluded from applying under their own names; however, the employment details of your spouse / partner will be required in order to process your application.
Please note that discount/voucher codes cannot be applied to items purchased with the Novuna Personal Finance Retail Finance option.
Mitsubishi HC Capital UK PLC trading as Novuna Personal Finance Retail Finance
TheDiamondStore.co.uk
Loan agreements are only available to UK residents over 18, subject to status. Terms and conditions apply. Minimum spend applies.
Novuna Personal Finance is a trading style of Mitsubishi HC Capital UK PLC. Novuna Personal Finance is regulated by the Financial Conduct Authority.
Regalian Ltd t/a The Diamond Store acts as a credit broker and offers credit products from Mitsubishi HC Capital UK PLC trading as Novuna Personal Finance. Regalian Ltd is authorised and regulated by the Financial Conduct Authority and is the broker and not the lender. Our registration number is 731102. Credit is provided subject to age and status. Minimum spend applies. Not all products offered by Mitsubishi HC Capital UK PLC are regulated by the Financial Conduct Authority.
TheDiamondStore.co.uk
We can introduce you to a limited number of finance providers: We act as credit broker and not a lender:
Regalian Ltd t/a The Diamond Store acts as a credit broker and will introduce you to Novuna Personal Finance Limited to complete your application for finance.
Regalian Ltd t/a The Diamond Store, Registered 5736216, Trading Address (No Returns Here Please), Suite 17410, 20-22 Wenlock Road, London N1 7GU
The following example is based on a purchase of £539 with a 50% deposit and payments at 0% interest over 6 months (APR Representative).
Within minutes of your application being approved, you will be presented with the options to either e-sign or print and return your finance agreement.
If you choose to e-sign your agreement, a PDF of your agreement will be displayed on screen. You should read the agreement carefully before clicking all the relevant sections agreeing to its terms.
Once you have agreed to the terms of the finance agreement, Regalian Ltd. trading as The Diamond Store will be notified and you need do nothing more.
If you choose to print and return your agreement you should print the agreement, read it carefully and then sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the finance agreement.
Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Novuna Personal Finance. Shipment of your goods will follow soon after your agreement has been returned and received.
When checking out, just fill out Novuna Personal Finance easy online application form and you can be approved for up to £15,000 to spend on the jewellery you wish to purchase. Credit is subject to status. The minimum order value to pay by finance is £375.
Yes, a minimum 10% deposit will need to be paid upon acceptance.
Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies.
This information allows consistent decisions to be provided, ensuring all applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.
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.
Anything on our website. Please remember that the minimum order value for finance is £375.
You can choose a 6, 12, 24 or 36-month loan repayment period. There are no arrangement fees or hidden extras.
In addition to credit scoring, Novuna also takes into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though Novuna is unable to provide you with a main reason for declining your application, it is usually based on one, or a combination of the following:
What type of information do credit reference agencies hold about me?
Some of the information is public information, for example electoral roll, County Court Judgments and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.
How do I obtain a copy of this information?
Send a request to the relevant credit reference agency, together with details of all addresses at which you have lived over the last 6 years:
The above listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.
Yes. We acknowledge that circumstances change and just because a previous application has been refused, it does not mean that a further request will automatically be turned down. We do suggest however, that you leave at least 6 months between applications.
If you have a complaint, please refer to our formal complaints policy and procedure. You also have the right to refer your complaint to the Financial Ombudsman Service.
You can apply on our website. Simply follow the checkout process and select Novuna Personal Finance as a payment method.
You can settle your loan agreement at any time. Simply contact Novuna Personal Finance and they will calculate and send you your settlement figure. Your settlement figure and date are calculated in line with the Consumer Credit Act.
In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant.
If you have any questions about finance please call us on 0345 084 1200, please bear in mind we can’t process an application over the phone or give an indication of likely finance acceptance.
We want you to feel completely confident when you shop with us. That’s why we offer FREE 30-day returns for refunds and 60-day exchanges across the UK and Northern Ireland.
If you’ve ordered a ring smaller than a size J or larger than a size Q, don’t worry — these are custom sizes, but we’re still happy to offer a free exchange or resizing if the fit isn’t quite right.
Changed your mind? No problem — you can cancel your order anytime before it’s been dispatched.
Just reach out to our friendly team via Live Chat, by email at customerservice@thediamondstore.com, or give us a call on 0345 084 1200 (or +44 345 084 1200 if calling from outside the UK). Please have your order number handy to help us assist you as quickly as possible.
Please note that for rings smaller than size J or larger than size Q, the width may vary slightly (up to 10%) due to the crafting process. If you need any adjustments, we’re happy to help.
If your item arrives damaged or defective, we’ll make it right — fast. We’ll either repair or replace it at no cost to you, or provide a refund once it’s been assessed by our head jeweller.
Our standard returns policy is 30 days to return, and 60 days to exchange.
We stand by the quality of our jewellery. That’s why all our pieces come with a 5-year warranty against defects in materials or craftsmanship. Every item is also fully hallmarked according to UK legislation, confirming its authenticity and origin.
Once we’ve received and inspected your returned jewellery, we’ll process your refund right away and email you to confirm. Depending on your bank or payment provider, it may take 3 to 5 working days to show up on your statement.
We’ll always refund you via the same method you used to make your purchase — whether that was credit or debit card, PayPal, Pay4Later Finance, bank transfer, or another option.
To avoid delays, make sure to include the returns label print-out with your parcel. This helps us identify your return quickly.
We’re proud to say that all our diamonds are conflict-free and fully compliant with United Nations regulations. When you buy from us, you’re choosing ethical beauty.
We’re here whenever you need us.
📧 Email us: customerservice@thediamondstore.com or returns@thediamondstore.co.uk
📞 Call us: 0345 084 1200 (UK) or +44 345 084 1200 (International)
No products were added to the compare
Order your ring with confidence.
Order our FREE ring sizer today and make sure your ring fits perfectly the first time. Quick, simple, and delivered to your door in just a few days.
Don’t risk the wrong fit. Get your free ring sizer now.