Victorian 15ct Gold Heart Shaped Pendant with Applied Gold Flowers

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

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:

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

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.

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

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

No. There are no arrangement fees or hidden extras.

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 etika Finance UK Ltd. Shipment of your goods will follow soon after your agreement has been returned and received.

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

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.

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

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.

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.

etika (a trading name of etika Finance UK Ltd) is a company registered in England and Wales (07440512) and authorised and regulated by the Financial Conduct Authority (registration number: 697658, company address: WeWork, No.1 Spinningfields, Quay Street, Manchester, M3 3JE).

For more information please visit www.etika.com/uk.

Sent by DHL Express
Arriving at the end of the next working day *
* Sometimes within 2 working days

Sent by DHL Express Worldwide
Arriving at the end of the next possible working day *
* These are estimates only and can vary

Ring sizing adds approximately 2-3 days to the delivery estimate

In many countries, import tax/duty do not apply when purchasing antiques aged over 100 years old. We declare these items as 'Personal adornment, over 100 years old', providing a signed and dated Antique Declaration form. Georgian and Victorian jewelry (around 40% of our inventory) falls into this category.

In many countries, import tax/duty/handling fees apply when purchasing items under 100 years. Jewelry from periods other than Georgian and Victorian (around 60% of our inventory) falls into this category.

Usually your country will have a website or customs office providing you with the relevant rates.

Further partial restrictions on importation of items such as ours exist in specific countries. Please contact us to make sure your country does not fit into this bracket.

We have no authority over a local country's customs department.