Flexible Finance

Spread the cost of your perfect piece with our flexible finance options. Interest-free and low-rate plans available on purchases from £250.

How it works

Three simple steps

Applying for finance is quick, straightforward, and you'll receive a decision in minutes.

1

Choose your piece

Find the jewellery you love and select your preferred finance option at checkout.

2

Apply online

Complete the short application form. You'll need to be over 18 and a UK resident.

3

It's yours

Receive an instant decision. Once approved, your order is confirmed and on its way.

Your options

Choose the plan that suits you

We offer two types of finance through Novuna Personal Finance, so you can pick the option that works best for your budget.

Interest Free Credit

0% APR Representative

Terms available 6, 9, 10 or 12 months
Minimum spend £250
Deposit required 30%
Maximum loan £25,000
Total payable Same as cash price

Classic Credit

9.9% APR Representative

Terms available 24, 36, 48 or 60 months
Minimum spend £750
Deposit required 30%
Maximum loan £20,000
Total payable Varies by term

Representative example — Classic Credit

Cash price £2,000

Deposit (30%) £600

Amount of credit £1,400

Interest rate 9.9% p.a. fixed

Representative APR 9.9% APR

Term 36 months

Monthly payment £45.49

Total amount payable £2,237.64

Credit is subject to status and affordability. Terms and conditions apply. You must be 18 or over and a UK resident to apply.

Common questions

Finance FAQ

Who provides the finance?

Our finance is provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC. They are one of the UK's leading consumer finance providers, authorised and regulated by the Financial Conduct Authority.

Am I eligible to apply?

To apply for finance, you must be at least 18 years old, a UK resident, and in regular employment or receiving a pension. All applications are subject to a credit check, and a decision will be made based on your individual circumstances. Finance is not guaranteed.

Is there a minimum or maximum spend?

For interest-free credit, the minimum spend is £250. For our classic credit option, the minimum varies by term length, starting from £750. The maximum loan amount is £25,000 for interest-free and £20,000 for classic credit.

Do I need to pay a deposit?

Yes, a minimum deposit of 30% is required on all of our finance options. This can be paid by debit or credit card at the time of purchase.

How quickly will I get a decision?

In most cases, you'll receive an instant decision on your application. Occasionally, applications may be referred for further review, which can take up to 48 hours.

Can I pay off my finance early?

Yes. You can make overpayments or settle your agreement early at any time. For interest-bearing agreements, paying early will reduce the total amount of interest you pay. Contact Novuna directly to arrange early settlement.

Will applying affect my credit score?

Applying for finance involves a credit check, which will be recorded on your credit file. If your application is declined, it should not significantly affect your credit score. However, multiple applications in a short period may have an impact.

Can I use finance in-store as well as online?

Yes, finance is available both online and in our Birmingham Jewellery Quarter showroom. Our team will be happy to walk you through the process in person.

Questions about finance? We're here to help.

Book a consultation

Sonny's Jewellers Ltd (FRN: 1042203) trading as JQ Diamonds are authorised and regulated by the Financial Conduct Authority. We are a credit broker and not a lender. Credit is subject to status and affordability, and is provided by Mitsubishi HC Capital UK PLC, trading as Novuna Personal Finance. Terms and conditions apply.

JQ Diamonds, 112 Vyse Street, Birmingham, B18 6LP