Apex Jewellers Ltd T/A Aspire Diamonds is authorised and regulated by the Financial Conduct Authority and is the broker and not the lender. Our registration number is 731081. Apex Jewellers Ltd T/A Aspire Diamonds offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Credit is provided subject to affordability, age and status. Minimum spend applies. Not all products offered by Secure Trust Bank PLC are regulated by the Financial Conduct Authority.

Spread the cost by using one of our finance options, we offer a range of timescales and interest rates for you to choose from to make purchasing as hassle free as possible.

Simply add your chosen item to the basket then select Finance at the Checkout and choose your preferred option from the dropdown. You will be transferred to our finance partner V12 Retail Finance at this point to complete the application, this will take about 10 minutes. V12 Retail Finance aim to make the application process as user friendly as possible and will aim to give you an answer straight away.

With most applications, we expect that you will be given an acceptance or decline decision within 10-20 seconds. In some cases, V12 may return the decision as ‘referred’. You will then be contacted for further information. Once the underwriters have made a decision you will receive an email confirming their decision. For in-store applications, you can usually wait in the shop whilst the underwriters review your application. Underwriting hours are 8 am to 8 pm, Monday to Friday, 9 am to 6 pm on Saturday and 10 am to 5 pm on Sunday & Bank Holidays. If your application is referred outside of these hours then you may have to wait until the next working day for the decision.

Credit 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.

Please note, some items will only be subject to 9.9% APR Representative terms. This will be shown when choosing finance options for that specific item

  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
Cash Price £650.00 £884.00
Deposit £50.00 £100.00
Amount of Credit £600.00 £784.00
Loan Term 6 months 12 months
Annual Rate of Interest - 10.43% Fixed
Monthly Repayment £100.00 £69.70
Representative APR 0% APR 9.9% APR
Total Cost of Credit £0.00 £41.40
Total Amount Payable £650.00 £925.40
First Payment Occurs After 1 month After 1 month

Your repayments will be taken by Direct Debit, these details can be set up whilst you are processing the application. Once your application has been approved the date of your first payments will be arranged. If you have any questions about your repayment details please contact V12 Retail Finance.

If you would like to pay off your finance agreement early, please contact V12 Retail Finance and they will be able to advise you on this.

To process your Finance application please ensure you have Proof of Address, a Bank Statement and your current employment details.

To be eligible to apply for finance you must:

  • Be at least 18 years of age
  • Have been a UK resident for at least 3 years
  • Have a debit or credit card in your name, registered to your address in order to cover deposit (if applicable)
  • Have a Bank or Building Society current account available (you’ll need this in order to complete direct debit instruction)
  • Be in regular employment* including self-employment, or in a permanent residence with your spouse/partner who is in regular employment, or be receiving a pension or a disability benefit

Please note, all finance is subject to status and minimum spen

* V12 Retail Finance may ask for proof of sufficient income. Finance is not available for unemployed individuals. During the application process, you will be asked for your personal information such as name, 3-year address history, date of birth, email address, telephone contact details and employment/income information.

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.

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