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.

Processing your Finance Application

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 partners Deko at this point to complete the application, this will take about 10 mins. Deko aim to make the application process as user friendly as possible and will aim to give you an answer straight away.

Finance plans

We offer a range of finance plans from 6 months through to 36 months, interest bearing and 0% interest. The minimum value of the loan is £250, you can choose the deposit amount from 20% up to 50%.

Monthly Repayments

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 Omni Capital on 0333 240 8317.

If you would like to pay off your finance agreement early, please contact Omni Capital on 0333 240 8317 and they will be able to advise you on this.

Documentation

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

You will only be considered for finance if you:

Finance Eligibility

Are at least 18 years old

Are in regular full or part-time employment (minimum 16 hours per week or £5,000 per annum, unless you are retired and receiving a private / company pension or in receipt of disability allowance)

Are a permanent UK resident and have lived in the UK for at least 3 years.

Have a UK bank account capable of accepting Direct Debits

Have a good credit history with no late payments, debt relief orders, CCJs, IVAs or bankruptcies.

Provide an email address so your documentation can be emailed to you.

Cancellation

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.

Further Information

Apex Jewellers are authorised and regulated by the Financial Conduct Authority, register number 728646.

Finance is provided through the Deko platform by several lenders. You will be offered the best rate available based on your credit history and the lenders’ credit decision policies.

Deko is a trading name of Pay4Later Ltd who act as a credit intermediary. They are registered in England and Wales (company number 06447333) and authorised and regulated by the Financial Conduct Authority (register number 728646). For more information please refer to www.dekopay.com/faq or visit www.dekopay.com.