INTEREST FREE CREDIT
Up to 2 Years Free Credit* with only 10% Deposit
Portfolio of Fine Diamonds from Lunn's, in conjunction with Secure Trust Bank PLC trading as V12 Retail Finance, is pleased to offer our UK clients the opportunity to apply for free credit for some items that are between £750 and £9999. We offer five products, all of which are 0% APR Interest Free.
Lunn's can offer you the option of paying by Interest Free Credit in conjunction with Secure Trust Bank PLC trading as V12 Retail Finance, spreading the cost of your purchases over 6,9, 12, 18, and 24 months, with a 10% deposit in-store and online. Please read the pre-check criteria here to ensure you can make application for this option.
The table below show representative examples:
*Based on 24 Months - Online and In Store Purchase amount : £2000 10% deposit (to be paid now) : £200 Loan amount: £1800 24 monthly payments of : £75.00 Interest Rate - 0% APR Representative Fixed Rate of Interest - 0% Total amount payable : £2000
Paying with Interest Free Credit option online
Your credit application is made online, by choosing your purchase(s), paying the relevant deposit by credit card/debit card or PayPal and then completing the relevant sections on the V12 Retail Finance application site. You must then read through the Pre-Contract Information and indicate that you understand the information.
Once you complete this information, your application will be processed, usually within 30 seconds. If your finance application is approved, you will be offered the option to e-sign the credit agreement in which case complete the process as instructed. The whole process only takes a few minutes and is simple and secure.
Your application will either be approved, declined or referred,
If Approved - The decision will show on the your screen, along with the next steps the you will need to take, for example carry out the identity verification and eSign the credit agreement.
If Declined - You will be given an option to print off our information page about declined applications.
If Referred – V12 should provide a decision within 10 minutes. In a small number of cases, it may take two to three hours to do additional checks. If V12 require further information they will contact you directly. As soon as V12 have reached a decision they will amend the status of your agreement to Approved or Declined.
If your finance application is approved, you will be offered the option to e-sign the credit agreement in which case complete the process as instructed. The whole process only takes a few minutes and is simple and secure. You can also print the agreement after approval, but a copy will also be sent to the email address you provided earlier in the process.
You will then be asked to confirm your credit /debit card. This is done by V12 Retail Finance authorising a 50 pence amount from your card (please note that payment in not taken - only authorised and thereby confirming your card details).
Your purchase(s) will be dispatched by Portfolio of Fine Diamonds from Lunn’s when your signed credit application has been received by Secure Trust Bank PLC trading as V12 Retail Finance, and the credit company have given Lunn's the approval to send the goods.
Paying with Interest Free Credit In store
You may also avail of the Interest Free Credit Option in store. Please read the pre-check criteria here to ensure you can make application for this option. When you have chosen your goods, you may be able to pay using this option. We will begin the application, using an online form to take all the details that the finance company need.
Once the form is completed, your application will be processed and a decision from Secure Trust Bank PLC trading as V12 Retail Finance will be forthcoming. Usually this is within a few minutes, but on occasion V12 Retail Finance may need additional information to make their decision and this can delay the outcome.
If your application is accepted, you will pay your deposit and your purchase(s) can then be taken home with you.
Please note there are terms and conditions that are applicable when using this facility. Please call us to discuss on 02890 269585.
Additional Information
Note - finance is only applicable to UK residents
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
* Credit subject to status, terms and conditions apply.
** Available for purchases from £750 to £9,999 on-line or in-store.
