Pre-Check Criteria 

Pre-check criteria for online and in store purchases

Before completing a credit application, please ensure that you can satisfy ALL of the following criteria:


You have been resident in the UK for at least three years and will continue your residency in the UK.

You are 18 years of age or above.

You, or your partner is, in permanent paid employment (over 16 hours per week), retired (receiving a pension), in receipt of disability benefit or self-employed.

You have debit or credit card in your name and registered to your address. For online purchases, you may be offered the option to e-sign the credit agreement in which case complete the process as instructed. For online purchases, we will deliver to your home address only.

You have Bank or Building Society current account details available to be able to complete the direct debit instruction.

That the purchase is for consumer use and not business use.

John H. Lunn (Jewellers) Limited is registered in Northern Ireland NI003421. Registered office: 9-21 Queen’s Arcade, Belfast, BT1 5FE. John H. Lunn(Jewellers) Limited acts as a credit broker and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance.  John H. Lunn (Jewellers) Limited is authorised and regulated by the Financial Conduct Authority. Our registration number is 689989. Credit provided subject to age and status