Education Centre

Welcome to our education section! Here you can find out everything you need to know about buying diamond jewellery. In each guide, we cover a range of topics designed to help you make an informed decision when buying jewellery. Learn everything you need to know, such as the 4Cs of diamonds in our diamond education guide, tips on how to find your ring size at home along with the best method to clean your jewellery. Read more

Paying with finance

We understand that purchasing jewellery can be a significant investment. That’s why we offer a range of finance options tailored to suit your needs.


Zip Pay

Zip Pay is an interest-free, buy-now-pay-later service with a credit limit of up to $1,000.

 

Repayments can be on a weekly, fortnightly or monthly schedule. The amount can be from as little as $10 per week depending on your agreement.

A monthly account fee of $9.95 applies, which is waived if your statement closing balance is paid in full by the due date. You can pay off your balance early without penalty.

Full conditions apply. For more information, visit www.zip.co/au/zip-pay


Zip Money

Zip Money is a line of credit with limits between $1,000—$5,000 with a guaranteed interest-free period of 3 months.

 

Repayments start from $10 a week, determined by your account's credit limit. You can choose between two repayment options:

  • Flex: Choose the amount, date and frequency of your repayments
  • Instalments: Repay in equal monthly interest-free instalments
    • Accounts may incur a one-off establishment fee for certain credit limits. A monthly account fee of $9.95 applies.

      Full conditions apply. For more information, visit www.zip.co/au/zip-money


      Afterpay

      You can split the cost of orders up to $2,000 with Afterpay.

      Afterpay allows you to pay in four interest-free instalments of equal amounts. They are automatically taken from your nominated debit or credit card. There will be two weeks between each payment instalment.

      There is no interest or additional fees for payments made on time. You can also make repayments any time before the due date.

      Full conditions apply. For more information, visit www.afterpay.com


      Paying for your order with Afterpay

      At checkout, there is the option to pay using Zip Pay, Zip Money or Afterpay.

      You will be redirected to the provider’s website or app (if already installed). Create an account or log into your existing account to confirm your repayment method.

      Your chosen finance provider may apply an approval process to check your eligibility. Once completed, you’ll be able to confirm your order.

      Please note: Each finance option has criteria for eligibility. Credit checks may apply as part of the assessment process.


      Returns policy with finance

      If you wish to return your order for any reason, our usual 30-day policy will apply. Please refer to our returns policy for full details. The jewellery returned must be unworn, in pristine condition with the tag still on.

      Once we've received your return, we'll cancel scheduled payment(s). You’ll receive a refund for what you’ve paid.

We understand that purchasing jewellery can be a significant investment. That’s why we offer a range of payment options, including Afterpay.


Afterpay

Afterpay is a payment option that allows you to pay in four interest-free instalments. These equal amounts are automatically taken from your nominated debit or credit card. There will be two weeks between each payment instalment.

Paying for your order with Afterpay

At the checkout stage of placing your order, you will see an option to pay using Afterpay. This option will redirect you to the provider’s website or app (if already installed). You’ll be prompted to create an account or log into your existing account and confirm your debit or credit card information to make payment. Afterpay applies an approval process for every purchase to check your eligibility. Once completed, you’ll be able to complete your order.


Returns policy with finance

If you wish to return your order for any reason, our usual 30-day policy will apply. Please refer to our returns policy for full details. The jewellery returned must be unworn, in pristine condition with the tag still on.

Once we've received your return, we'll cancel the scheduled payment(s). You’ll receive a refund for what you’ve paid.

Full conditions apply. For more information, visit www.afterpay.com

FAQs

No, but you'll pay for the first instalment at the time of purchase. You will then pay interest-free instalments of equal amounts, which are automatically taken from your nominated debit or credit card.

A first instalment or deposit may be required depending on the finance provider. You'll see the amount required before confirming your order.

Payments are automatically taken from the nominated debit or credit card assigned to your Afterpay account. You can also make repayments to Afterpay any time before the due date.

You’ll need to manage your account directly with Afterpay. 

Payment will be automatic via your chosen payment method. The amounts and frequency will vary depending on your chosen repayment plan.

You will pay four interest-free instalments of equal amounts. There will be two weeks between each payment instalment. They are automatically taken from your nominated debit or credit card. You can check when each payment is due via Afterpay directly.

The length of your agreed loan term will vary depending on your chosen finance provider. 

You can create an account via the Afterpay website or app. Alternatively, you can sign up during the checkout process. You’ll be required to provide your personal details and debit or credit card information. 

Afterpay applies an approval process for every purchase. Using Afterpay does not affect your credit score or credit rating.

Afterpay is free, with zero interest and no additional fees when payment is on time. 

Missed or late payments incur a fixed fee and capped charge. You’ll receive reminders leading up to the payment due date and an alert if payment has failed.

For more details, visit www.afterpay.com

Afterpay has a range of security features designed to keep your account secure. These include fraud protection, multi-factor authentication and encryption. Both customers and merchants are subject to screening before gaining access to services. 

Learn more at www.afterpay.com

At checkout, there is the option to pay using Zip Pay, Zip Money or Afterpay. 

You will be redirected to the provider’s website or app (if already installed). Create an account or log into your existing account to confirm your repayment method.

Please note: Each finance option has criteria for eligibility. Credit checks may apply as part of the assessment process.

Fees will depend on your chosen finance provider and repayment plan. Ensure you understand the amounts and account fees before making your purchase.

If you prefer to split the cost of your payments, finance may be the ideal payment method.

0% finance is available on jewellery above $250. You can either pay across 6 months with a deposit of 10% or across 12 months with a 30% minimum deposit.

You also have the option of Classic Credit split across 24, 36, or 48 months at 9.9% APR with a deposit of at least 10%.

0% APR Finance Example

Cash Price
$500.00
Deposit 50%
$250.00
Amount of credit
$250.00
Cost of loan
$0.00
Total amount payable
$250.00
Payable by 6 monthly payments
$41.67
APR
0%

15.9% APR Finance Example

Cash Price
$1,950.00
Deposit 50%
$195.00
Amount of credit
$1,755.00
Cost of loan
$144.00
Payable by 12 monthly payments
$158.00
APR
ARP 15.9%

Cost of the loan

It is important to remember that the cost of the loan will vary depending upon which type of finance method applies, the price of the jewellery piece and the length of the repayment term you choose.

Please note - finance examples shown are subject to status and terms and conditions apply.

Credit Provider

V12 Retail Finance provides credit on behalf of the lender - Secure Trust Bank PLC.

V12 Retail Finance is regulated and authorised by the Financial Conduct Authority. For more information, please visit www.v12retailfinance.com. Registration number - 679653.

Secure Trust Bank PLC is regulated by the Prudential Regulation Authority and the Financial Conduct Authority and is authorised by the Prudential Regulation Authority.

To apply for finance

If you wish to apply for finance, select this method of payment at the final stage of checkout to get an instant decision.

Before applying, it is important to check whether you meet the following criteria:

  • You are over 18 years old.
  • You are a UK resident with at least 3 years continual address history.
  • You are in full-time employment, or you are retired or have a spouse in full-time employment.
  • You have a UK bank account capable of accepting Direct Debits.
  • You wish for the goods to be sent to your home address.

Frequently Asked Questions

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