Interest Free Credit

INTEREST FREE CREDIT TERMS AND CONDITIONS

Up to 3 Years Free Credit* with only 10% Deposit (excluding Portfolio of Fine Diamonds)

Lunn's, in conjunction 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 £750 and over. Please note that some items are excluded from this offer and all Portfolio of Fine Diamonds items are excluded from this offer. Please see Lunn's Portfolio site for information on the interest free credit terms and conditions for that brand. Only the goods that have the option on their product page are included.  We offer six 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, 24 and 36 months, with a 10% deposit in-store and online. Exclusions apply.

The table below show representative examples:

*Based on 36 Months - Online and In Store
Purchase amount : £2000
10% deposit (to be paid now) : £200
Loan amount: £1800
36 monthly payments of : £50.00
Interest Rate - 0% APR Representative
Fixed Rate of Interest - 0%
Total amount payable : £2000

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

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.

Please note that exclusions apply. Credit is not available on every item on the website - certain brands and certain items are often excluded. Please refer to the appropriate product pages where you can see if the credit option is offered for that product. Due to restrictions by watch and jewellery brands, not all of our products can be shown online, or sold online or shown with prices online. Credit options may differ slightly between shop and website because of these restrictions. Please call us on 02890 329 799 for full details or if you have any questions

 

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.

Once you complete this information, your application will be processed, usually within 30 seconds. Once your finance application is approved, you will receive an e-mail advising you of how to download the finance agreement.  Please read this carefully checking that all the details are correct.

You may 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 purchase(s) will be dispatched by Lunn’s when your signed credit application has been received by Secure Trust Bank PLC trading as V12 Retail Finance.

 

Paying with Interest Free Credit In store

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.

When your application is accepted, 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

FINANCE FAQ