Pay By Finance at Zoe Kay Jewellery
0% INTEREST FREE CREDIT AVAILABLE ON ORDERS OVER £299.00
REPRESENTATIVE EXAMPLE - INTEREST FREE FINANCE
Product: Moissanite 18ct White Gold 1.04 Carat Marquise Ring (RW0033/10X5)
10% Deposit: £49.95
Finance Amount: £450.00
HOW TO APPLY FOR FINANCE
Contact us for details of our application process. Please call our Customer Service team on 0800 644 0625 or email us at firstname.lastname@example.org
No administration fee's payable on any of our finance schemes.
Please note some products are not available with finance, each product page will inform you if finance is available on that item.
In order to apply for credit, you must:
• Be at least 21 years of age
• Be either:
◦ In full time employment (i.e. 16 hours, or more, per week) or
◦ Self-employed or
◦ Retired and over 50 years of age or
◦ In receipt of an invalidity or disability allowance
• Have been a UK resident for 3 years or more
• Be able to make repayments by direct debit
• Provide your previous address if you have lived at your current address for less than 3 years
• Have an order value of over £299.00
• Payments by direct debit, credit subject to status, written quotations available on request
FREQUENTLY ASKED QUESTIONS
Who is my finance with?
Our finance scheme is provided by V12 Retail Finance.
Is a deposit required?
Yes, a minimum 10% deposit will need to be paid upon acceptance.
What length of repayment is available?
You can choose a 6, 9, or 12 month loan repayment period with our Interest Free Finance payment option. Alternatively, we also offer 24 or 36 month loan repayment periods with our Classic Credit payment option, with a typical 15.9% APR.
How quickly will my application be processed?
In most cases you will know immediately if your application has been accepted or declined, however, credit applications can be referred and if this is the case you will be notified as soon as a decision has been reached.
Can I have my order delivered to somewhere other than my home address?
To safeguard applications, orders that are being paid for by finance can only be delivered to your home address.
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.
Can I pay off my loan early?
You can settle your loan agreement at any time. Simply contact V12 Retail Finance and they will calculate and send you your settlement figure. Your settlement figure and date are calculated in line with the Consumer Credit Act.