Interest Free Credit

0% Interest is available on all platinum orders from £750.00 and over

We are pleased to offer our customers 12 months interest free credit terms on all platinum ring orders over £750.00. 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.

How To Apply

You can apply for interest free credit by selecting this method of payment at the final stage of the checkout process. An application email will be sent to you within 1 hour during our business hours whereupon you can make your application and pay your deposit online.

Can I apply over the telephone?

All applications have to made via the V12 secure server so we are unable to complete customers applications over the telephone.

What Do I Need To Apply?

To Apply for finance you must meet the following criteria:

  • You must be over 25 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 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.

Why is Interest Free Credit an advantage?

  • Buy the platinum ring you always wanted with just a 20% deposit.
  • You can now possibly buy that platinum ring that was just over your budget and with low monthly payments.
  • One stop shopping, no need to go to the bank to secure a loan.
  • Leave's you with extra cash by spreading the cost.
  • Fixed Payments - your payments are fixed for the duration of the agreement allowing you to budget more effectively.

Frequently Asked Finance Questions

How much can I borrow?

When checking out, just fill out V12's easy online application form and you can be approved for up to £6,000 to use for the jewellery you wish to purchase. Use our Calculator to determine how much you can spend based on your monthly payments. The minimum priced item with credit available is £750.00.

Is a deposit required

Yes, a minimum 20% deposit will need to be paid upon acceptance.

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 and subsequent monthly payments will be due every month for the length of your term on that day of the month.

What type of Platinum Jewellery can I buy on finance?

Anything on our website. Please remember that the minimum order value for finance is £750.00.

What length of repayment is available?

You can spread the costs over 6, 9 and 12 Months.

How do I apply?

Choose the Interest free credit option at the check out. We'll contact you within one hour during office hours via email with a link to your own personal application.

Can I Pay Off My Loan Early? 

You can settle your loan agreement at any time. Simply contact V12 and they will calculate and send you your settlement figure. Your settlement figure and date are calculated in line with the Consumer Credit Act.

Consumer credit service provided by V12 Retail Finance. V12 Retail Finance is owned by Secure Trust Bank PLC. Registered in England and Wales 541132. Registered Office : One Arleston way, Solihull, B90 4LH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

To view the finance calculator please click here.

For more information please refer to our frequently asked questions or visit