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Finance

Buy Now, Pay Later

In partnership with
Afford It Now

We’re pleased to offer our customers in the UK the chance to spread the cost of their purchase with up to 12 months Interest Free Finance.

On orders of £262.50 and above, you can apply for Interest Free Finance at Checkout and choose between 3, 6, 9 or 12 month periods to pay off the cost, with a minimum deposit of 5%.

For example:

You'd like to buy an Art Deco Ring for £2,000.00

You pay a 5% deposit of £100.00
You receive the ring the next working day before 1pm
Followed by 11 monthly Interest Free (0% APR) payments of £172.73
Starting on the 1st day of the month after next
Spread over 12 months

The online application process is simple and takes around 5 minutes to complete, with a decision often being made about 30 seconds after completion.

Who is Eligible for Finance?

Applying for finance is similar to applying for a new credit card. The details you provide are checked against public registers, such as credit rating agencies. To increase the chances of acceptance, ideally, you will have a good credit history (no late payments, CCJs, etc) and meet the following minimum criteria:

  • Be over 18 years of age
  • Be employed for at least 16 hours per week
  • Be a permanent UK resident with a 3 year address history
  • Have a good credit history with no late payments, debt relief orders or bankruptcy
  • Have a UK bank account that accepts direct debits
  • Your delivery address must match the one that you put on the finance application, which should match your bank account's billing address
Check Your Eligibility

Your Questions Answered

How do I choose to pay by Interest Free Finance?

All you need to do is:

  • Select the item/s you want, add them to your basket and proceed to checkout
  • Choose ‘Pay by Interest Free Credit' at the checkout
  • Select the instalment plan that works for you (3,6,9 or 12 months)
  • Complete the secure online application and e-sign the form
  • Receive an instant decision and complete your purchase

Who is eligible for online finance?

To apply for online finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 3 years or more.

When will my repayments start?

Your monthly repayments will begin one month after your purchase has been delivered.

Is a UK bank account needed?

Yes, All repayments will be taken by direct debit from the finance company.

Are there any arrangement fees or hidden extras for credit?

No. There are no arrangement fees or hidden extras.

Once my application is approved, what happens next?

Within minutes of your application being approved, you will be presented with the option to sign your credit agreement. You should read the credit agreement carefully before clicking all the relevant sections agreeing to its terms.

Once you have agreed to the terms of the credit agreement The Antique Jewellery Company will be notified and you need do nothing more.

Please note that products will not be allocated to your order until your completed and signed agreement is returned and received by Paybreak Limited. Shipment of your goods will follow soon after your agreement has been returned and received.

Can I request delivery to an address other than my home?

In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant.

Will a credit check be carried out?

Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants.  This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies.  This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly.

The credit scoring process does not discriminate on the grounds of sex, race, religion or disability.

If you decline my application, what is the reason?

In addition to credit scoring, we also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though we are unable to provide you with a main reason for decline of your application, it is usually based on one, or a combination of the following:

  • Your credit score (please note that every finance company will score you differently)
  • Adverse credit reference agency information
  • You are considered to be overcommitted
  • You are aged under 18
  • Your existing account performance with other lenders

If my application is not successful, can I re-apply?

Yes. We acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that we'll automatically turn down a further request. We do suggest however, that you leave at least 6 months between applications.

What type of information do credit reference agencies hold about me?

Some of the information is public information, for example electoral roll, County Court Judgements and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.

Who is afforditNOW?

afforditNOW is a suite of products offered by PayBreak Limited, a company authorised and regulated by the Financial Conduct Authority. PayBreak Limited is a UK registered company, registration number 7440512, FCA number 697658, with registered offices at No. 1 Spinningfields, Quay Street, Manchester, M3 3JE.

For more information please visit www.afforditnow.com.

Any other questions?

Call us: +44 (0)20 7206 2477
Email us: hello@antiquejewellerycompany.com