Finance

Thinking of choosing finance?

Finance is a great way to spread the cost of your purchase. To make it easy we’ve teamed up with Deko whose smart technology lets you apply for the loan quickly and entirely online.

Simply shop for the items you love and follow the links through to our finance application page. Once you have decided on the finance option and deposit that suits you simply complete our application form and a member of the team will respond with a secure link for you to finalise your details with Deko. After they collect some additional details you’ll receive an instant decision. Easy!

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.

Our payment plan options

We offer an interest-free and a few interest bearing finance options to help you spread the cost of your purchase over the 6, 12, 24, 36 or 48 months. The value of the loan needs to be over £750 and you can choose a deposit of up to 50% of the value of the goods.

Use the calculator below to estimate your monthly payments, deposit amount, term of agreement, and subsidy fee. If you have any questions regarding the finance calculator or application process then please feel free to contact us.

Finance Calculator

*Subsidy fees apply to 6 Months Credit APR 0.0%. This is a credit setup fee from Deko to be paid up front with the deposit.

Finance Application

Finance Plan

Product Name

E.g. Angeli Round

Cost Of Item

Deposit Percent

6 Months Credit 0.0% APR requires a minimum of 50% deposit

Title

Name

First Name

Last Name

Email Address

Date Of Birth

MM

DD

YYYY

Gender

Marital Status

Finance decision

Your application will be assessed based on eligibility, credit history and affordability and Deko will let you know the outcome in just a few seconds. It’s important to know that when applying for finance a hard credit check is made which is recorded on your credit file.

Once approved, Deko will let you know who the lender is and provide with their full contact details. You then just need to digitally sign your credit agreement, pay your deposit and wait for your order to arrive.

In a few cases, your application may be referred to a lender for manual assessment and you’ll be notified by email of the credit decision within 24 hours. If you’re not approved for finance it could be for a variety of reasons and the lender will be able to give you more information.

Repaying the loan

Your first direct debit payment will be taken about a month after you receive your purchase. This will show on your statement as a payment to your lender. You have the right to repay all or part of the loan early at any time.

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.

Bijou Diamond Jewellery Ltd are authorised and regulated by the Financial Conduct Authority, registration number 739723.

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 go to www.dekopay.com/faq or visit www.dekopay.com.