V12 finance lets us offer you a wide range of finance options, helping you find the most affordable way to make your special purchases.

VUp To 12 Months 0% Interest Free Credit

The following Interest Free Credit payment terms are available, each of which requires a minimum deposit of 10%:

Up To 4 Years 9.9% APR Credit

There are certain items in our range where interest-free credit may be limited to shorter terms, such as 12 months or 24 months. Where this is the case, we are pleased to be able to offer you up to 4 years of 9.9% APR credit with V12 Finance.

Get An Idea Of What Your V12 Finance Payments Will Look Like With These Examples:

Up to 12 Months 0% Interest Free Credit Up to 4 years 9.9% APR credit
Qualifying products Purchases over £300* Purchases over £750*
Purchase amount £300.00 £750.0000
Finance term 12 months 48 months
Deposit £30.00 £75.00
Amount of credit £270.00 £675.00
Monthly repayment £22.5 £16.95
Interest rate (APR representative) 0% 9.90%
Interest amount £0.00 £138.60
Total amount payable £300.00 £888.60
*Exclusions apply

How To Apply For V12 Finance

Applying for V12 finance is quick and easy. The whole process takes just a few minutes, and, in most cases, you will get an instant decision.



Look for the ‘finance calculator’ on items over £300. Select your preferred term and deposit, then add the item to your bag.



Then proceed to checkout and select your delivery option, after which you’ll have the opportunity to choose V12 Finance as the payment option in the final step of checkout. Finally, click on Apply Now button, and you will be redirected to V12 Finance application form.



You’ll typically get a decision within a few moments.


Order Confirmed

We’ll send your order to the address you selected during checkout.

If you choose to pay for your order using Interest-Free Credit, your order must be delivered to your billing address. Interest-Free Credit is not available on orders delivered outside the UK.


0% interest is available on all jewellery for sale above £300.00, payable by up to 12 monthly payments and a minimum 10% and maximum 50% deposit. We also offer our customers the opportunity of paying by instalments on jewellery above £300.00 payable over 12, 24, 36 or 48 months and with a minimum 10% deposit and 9.9% interest credit.
Yes, a minimum 10% and maximum 50% deposit will need to be paid.
You can purchase any jewellery listed on our website with a minimum value of £300.
The length of repayment is 6, 12, 24, 36 or 48 months loan repayment period.

Pay later with Klarna

Choose from two easy payment options; pay in 3 interest free instalments or pay 30 days after delivery.

here’s no interest. No fees when you pay on time*. No credit agreement.


Pay in 3

Available on orders between £50 - £500, split your payment into 3 equal interest free instalments.


Select Klarna Pay in 3 at checkout


Your order will be split into 3 equal payments and you’ll pay the first part when you place your order.


The two remaining payments will be taken at 30 and 60 days. You’ll be notified when a payment is due and when it has been collected.

Pay 30 days after delivery

Available on online orders between £50 - £350, get your order now and pay up to 30 days after delivery.


Select ‘Pay later’ at checkout.


Place your order and pay 30 days later for the items you keep.


Klarna will send you payment instructions via email.

*Klarna's Pay in 3 / Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply.

Interest Free Credit you can use again and again

Giving you access to 0% APR Interest Free Credit on basket values of just £99, keeping in touch with the latest trend is now even more affordable.

Spend £99 or more and you’ll be offered to spread your payments interest-free for up to 4 months. As long as you meet the minimum required payments each month, it’s up to you how you spread your payments during the 4 month Interest Free period. You can also choose to pay for your purchase over a longer period at PayPal’s standard interest rate of 23.9% APR.

PayPal Credit is quick and easy to apply for; and the great thing is, every time you spend over £99 in one transaction, you’ll automatically get 4 months Interest Free Credit.

Representative Example:

Representative 23.9% APR (variable)

Purchase rate 23.9% p.a. (variable)

Assumed Credit Limit £1,200

How to spread the cost with PayPal Credit

Applying for PayPal Credit is very easy. If your application is approved and you accept, your credit limit will be added to your PayPal account immediately.

Before you apply, please make sure you:

Are a UK resident aged 18 years or older

Have a good credit history

Have not recently been declared bankrupt

Be employed and have an income greater than £7,500 per year



Add your chosen item(s) to your bag as normal, ensuring your order is over £99 if you want to qualify for 0% for 4 months with PayPal Credit.



Select ‘I’ll Pay In Full’ in the Shopping Bag, proceed to checkout and on the payment page, select ‘PayPal including PayPal Credit’ as the payment option.



You’ll be redirected to PayPal to complete your application. For new PayPal customers, you will need to complete a short form in order to get a decision.



We’ll send your order to the address or collection point you selected during checkout.

To find out more about PayPal Credit, read our Frequently Asked Questions.