At Time for Diamonds, we understand that some purchases would be easier if our customers were able to spread the cost and pay for their item/s with affordable monthly payments.  With that in mind, we’ve partnered with established credit brokers Ideal4Finance, who help thousands of people secure finance for their purchases. They only use reputable lenders and are Trustpilot-rated ‘Excellent’. You can apply online and decisions are made quickly. The final decision is based on your individual circumstances, including your personal credit profile, how much you want to borrow and the loan period.

 

Finance is available at 0% APR over 6 or 12 months and at a fixed rate of 14.99% APR over 24, 36, 48 or 60 months (two to five years), always subject to the lender’s assessment. A deposit will be required and we will agree the deposit amount with you before you begin the application process. Please note that there is a limit of £3,000 LOAN VALUE for interest free options. Deposit amounts are flexible and can be discussed. Please talk to a member of the Time for Diamonds team for more information.

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Here is an example of the repayments on a ring costing £4650, purchased over four years at 14.99% with a £1000 deposit: Purchase price £4650; deposit £1000; total credit £3650; loan term 48 months; APR 14.99; monthly payment £99.83; total repayable £4791.92; total cost £5791.92.

 

There are risks involved in taking out a loan and you should ensure you can make all payments on time and in full; failure to do so can lead to financial difficulties and have a negative impact on your credit score.

 

Once you've spoken to a member of the Time for Diamonds team and are ready to apply, please click the link below to begin the application process or call Ideal4Finance on 02036174647 (Mon - Fri, 9am - 5pm).