Engagement Ring Financing

Searching for an Engagement Ring on finance or a wedding ring on finance to make your dream proposal a reality? Or maybe you’re in search of more affordable jewellery and need a straight-forward pay-monthly jewellery plan to make a birthday extra special? With Diamond Quarter, our customers can use our easy-to-apply finance options to help spread the cost of their diamond jewellery purchase.

Apex Jewellers Ltd T/A Diamond Quarter acts as a credit broker and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance.

Secure Trust Bank is 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. Registration number: 204550.

Apex Jewellers Ltd T/A Diamond Quarter is registered in England and Wales, company registered number 05297666. Registered office: 115 Vyse Street, Birmingham, B18 6LP. Diamond Quarter is authorised and regulated by the Financial Conduct Authority. Our registration number is 731081. – Credit provided subject to age and status.

Finance is provided by Secure Trust Bank PLC T/A V12 Retail Finance (lender).

v12 finance


Apex Jewellers Ltd T/A Diamond Quarter’s finance is provided by Secure Trust Bank PLC T/A V12 Retail Finance. They provide 0% APR interest over 6 months and 12, 24, 36, 48 months at 9.9% APR on purchases of £560 and over.

Minimum Spend £560
Available Credit Terms Orders over £560: 6, 12, 24, 36, 48 months
APR 0% APR on 6 months interest free. 9.9% APR on 12, 24, 36 and 48 months.
Deposit Minimum 10%; Maximum 50%

The following interest free credit payment terms are available. A minimum 10% deposit is required.

  Orders Over Payment Terms
Up to 6 months 0% APR Interest Free Credit £560 6 months
Up to 4 years 9.9% APR Credit £560 12, 24, 36, 48 months

For an idea of what your V12 retail finance payments will look like with these examples.

  Up to 6 months 0% APR Interest Free Credit Up to 4 years 9.9% APR Credit
Qualifying products Purchases over £560.00 Purchases over £560.00
Purchase amount £650.00 £884.00
Finance term 6 months 12 months
Deposit £50.00 £100.00
Amount of credit £600.00 £784.00
Monthly repayment £100.00 £69.70
Interest rate (APR representative) 0% APR 9.9% APR
Interest amount £0.00 £41.40
Total amount payable £650.00 £925.40
First payment occurs After 1 month After 1 month


Applying for V12 retail finance for your diamond jewellery is quick and easy. The whole process takes just a few minutes, and, in most cases, you will get an instant decision.

  • Shop – Start shopping and customising your item. Once you’re ready, select ‘Finance from’ to view the finance options available.
  • Basket – If you haven’t gone via the above method, you can select Payment Method ‘Finance’ then select your desired option.
  • Apply – You will be redirected to the V12 Retail Finance portal to complete your application.
  • Decision – A decision is usually made within a few minutes.
  • Enjoy – Once your item is ready it will be shipped to your billing address.

Please note that we will only ship items to the customer’s billing address.


If your finance application is declined, please be aware that we are unable to provide any further information about this decision. If you have any questions, please contact the finance provider direct.

Should V12 decline your application, they are unable to share the reason for the decline with you or us.


V12 will give you the contact details for the credit reference agency used. They will also give you information on how to appeal the decision if you wish to discuss the matter further. Please note that V12 is unable to discuss this over the telephone. You should also note that each lender applies its own credit score to applicants so if you have recently been accepted for credit elsewhere this does not necessarily mean that appealing the decision on this basis alone will result in a change of decision.


What Is Jewellery Financing? 

Whether you’re searching for engagement rings on finance or wedding rings on finance, at Diamond Quarter, our finance option allows customers who prefer more flexible purchasing terms to instead pay monthly. Engagement Rings, along with the rest of our product catalogue can all be financed through a standard v12 retail finance application. The monthly cost of your financing plan, after the initial deposit, is completely dependent on your agreed terms and we recommend reading our guide here on purchasing rings on finance, in order to best assess the terms that would be right for you.

Do I Qualify For A Jewellery Finance Monthly Payment Plan? 

In order to determine your eligibility for our pay monthly jewellery finance, you must first apply for V12 Retail Finance. The application process is straight-forward, and it should only take a few minutes to assess whether you would be eligible to purchase Jewellery on Finance.

Can I Purchase An Engagement Ring On Finance? 

Upon successful application approval, Diamond Quarter customers can be assured that purchases can be made for all of our Jewellery, including wedding rings on finance. We offer affordable monthly engagement ring payment plans, providing a minimum spend of £560. We would encourage customers considering our purchase option to consult our jewellery on finance options for further information.

Stay up to date with us

Get 25% off Ready-to-Ship Mother's day Gifts using code : WITHLOVE25 - Terms Apply