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Finance

How do I apply for finance?

Once you have found your desired product select ‘Add to Bag’ and then proceed to checkout. At step 3 ‘Payment Method’ Select ‘Finance’ and the length of agreement you would like to go for. You will then be passed over to our partners Deko to complete your application.

How long will the process take?

It will take approximately 10 minutes’ maximum to complete to carry out your application. Our system is provided by Deko who have ensured customer experience is at the heart of a credit application. They aim to provide an answer within seconds!

Am I required to leave a deposit?

You can leave as little as 20% or as much as 50%. Use our slider to work out your predicted monthly payments.

Our Payment Plan Options

We offer a range of interest-free and interest bearing finance options to help you spread the cost of your purchase over 6, 12, 24 or 36 months. The value of the loan needs to be over £250 and you can choose a deposit of up to 50% of the value of the goods.

Use our finance calculator to check the impact of various loan values, terms and interest rates on the total amount you need to pay and the monthly repayments.

Based on a Total Spend of £1500.00

Option 1 Option 2 Option 3 Option 4
£200.00
Monthly Payment
£105.21
Monthly Payment
£57.57
Monthly Payment
£40.97
Monthly Payment
6 Months
Duration
12 Months
Duration
24 Months
Duration
36 Months
Duration
0% APR
Interest Rate
9.9% APR
Interest Rate
14.90% APR
Interest Rate
14.90% APR
Interest Rate
£300.00
Deposit
£300.00
Deposit
£300.00
Deposit
£300.00
Deposit
£0.00
Cost of Credit
£62.51
Cost of Credit
£181.68
Cost of Credit
£274.80
Cost of Credit
£1,500.00
Total Payable
£1,562.51
Total Payable
£1,681.68
Total Payable
£1,774.80
Total Payable

Can I pay off my agreement early?

Yes, you can! Simply contact Omni Capital on 0333 240 8317 and they will be able to advise you.

How do I make my monthly payments?

These will be taken by direct debit. You can submit your desired bank details while completing your initial application.

When will I make my first payment?

This will be arranged once your application is approved. If you do have any further questions relating to your payments, please contact Omni Capital on 0333 240 8317

What items can I have finance on?

All our jewellery is available to our customers on finance.

Do I require any documents to apply?

Please have a proof of address, bank statement and your current employment details available when carrying out your application.

Check your eligibility

You will only be considered for finance if you:

  • Are at least 18 years old
  • Are in regular full or part-time employment (minimum 16 hours per week or £5,000 per annum, unless you are retired and receiving a private / company pension or in receipt of disability allowance)
  • Are a permanent UK resident and have lived in the UK for at least 3 years.
  • Have a UK bank account capable of accepting Direct Debits
  • Have a good credit history with no late payments, debt relief orders, CCJs, IVAs or bankruptcies.
  • Provide an email address so your documentation can be emailed to you.

Cancellation

There is a 14-day cooling off period where you can withdraw from the credit agreement after signing your documents. If you want to do this, you need to notify the lender.

A payment plan does not affect our standard refund and returns policy. Just contact us and we'll cancel your application and the lender will refund your deposit and let you know of any outstanding balance if applicable.

Further Information

Apex Jewellers are authorised and regulated by the Financial Conduct Authority, register number 728646.

Finance is provided through the Deko platform by a number of lenders. You will be offered the best rate available based on your credit history and the lenders’ credit decision policies.

Deko is a trading name of Pay4Later Ltd who act as a credit intermediary. They are registered in England and Wales (company number 06447333) and authorised and regulated by the Financial Conduct Authority (register number 728646). For more information please refer to www.dekopay.com/faq or visit www.dekopay.com.

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