Finance Options

Get the jewellery or watch of your dreams with our easy-to-apply for finance options. From the perfect engagement ring to this season's most covetable trends, our range of finance options can help you spread the cost. 



 V12 Retail Finance Klarna. PayPal Credit
Minimum Spend £300

Pay in 30 days: £50

Pay in 3: £50

Pay in 3: £30

PayPal Credit: £99

Available Credit Terms 6, 12, 24, 36, 48 or 60 months

Pay in 30 (between £50 - £350): 30 days

Pay in 3 (between £50 - £500): 3 months

Pay in 3 (between £30 - £2000): 3 months

PayPal Credit (£99+): 4 months interest free.

Spread the cost of your purchase over a longer period at the standard 21.9% APR (variable)


0% APR representative on most purchases over £300 up to 36 months.

15.9% APR representative on sale items over £300 and on 48 & 60 months terms.

0% APR representative

Pay in 3: 0% APR representative

PayPal Credit: 0% APR representative for the first 4 months.

21.9% APR representative (variable) for any remaining balance after 4 months.

Deposit 10%

Pay in 30: No deposit required

Pay in 3: first of 3 instalments (33%)

Pay in 3: first of 3 instalments (33%)

PayPal Credit: no deposit required

T&Cs V12 Retail Finance


PayPal Pay in 3

PayPal Credit


Declined Applications

If your finance application is denied, please be aware that we are unable to provide any further information about this decision. If you need further information, please contact the finance provider directly.

Please Note

V12 Retail Finance cannot be used on gift card purchases or be used for collect in store purchases. The billing and delivery address must be the same.

Klarna's Pay in 3 & Pay in 30 are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Late fees apply.


S L (Lancashire) Ltd trading as Sarah Layton acts as a credit broker, not a lender, and offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance, PayPal Credit, PayPal pay in 3 and Klarna Financial Services UK Limited. S L (Lancashire) Ltd is authorised and regulated by the Financial Conduct Authority under FRN 629932. Not all products offered by Secure Trust Bank T/A V12 Retail Finance are regulated by the FCA. Credit is subject to age and status. For more information, please see our Terms & Conditions.