Finance Options

Why wait to make that special purchase?

Whether it's a special gift or a well-deserved treat, we are pleased to offer Interest Free Credit options, ensuring that the buying process is as easy and convenient as possible by giving you the flexibility to spread the cost of your purchase over manageable monthly payments.

Applying for IFC online could not be easier or more convenient and can be done with only a 10% deposit.

WHO IS ELIGIBLE FOR FINANCE?

To be eligible for our IFC plans, please ensure that you meet the following criteria:

Minimum spend of £750
Aged 18 years or older
You can provide a residential address on your application (a business address will not be accepted)
You are a resident at the above address
You have been a United Kingdom resident for 3 years or more, and will continue your residency in the UK
You or your partner is in permanent paid employment (over 16 hours per week), retired (receiving a pension), in receipt of a disability benefit or are self-employed
You have a debit or credit card in your name and registered to your address
You have a bank or building society current account
You are purchasing the product for consumer use and not business use

Other conditions may apply; we cannot guarantee that your application will be accepted.

PLEASE NOTE – Finance options are only applicable to UK residents and are not available to students or the unemployed. Applications that have previously been rejected should not be re-proposed within a 3-month period.

*Offer excludes Portfolio of Fine Diamonds prestige collection. Lunn’s Portfolio of Fine Diamonds is only available with IFC for up to a maximum period of 24 months.

HOW DO I APPLY FOR FINANCE ONLINE?

When you purchase online from Lunn’s the Jewellers [John H. Lunn (Jewellers) [Limited], you have the choice of applying for instant finance by simply adding your purchase to your shopping basket, selecting the option for “V12 Retail Finance” at the checkout, and completing a finance application form. Follow the instructions on the V12 application, entering your personal details as required and including your deposit information - we'll do the rest!

The whole process only takes a few minutes and is simple, straightforward, and secure.

Not all products online are offered with the option to finance your purchase. Products that are eligible for IFC will display the highlighted option on each individual product page.

Please be aware that IFC can also be offered on selected products in-store. For any questions or queries, please contact us at concierge@lunns.com.

For purchases made online, goods will be delivered to the application address only.

WHAT HAPPENS NEXT?

Once you've chosen the product(s) you'd like to purchase, paid your deposit online by Card or by PayPal, and submitted your V12 application form which you will be able to access via the 'checkout'.

Your application will either be ‘Approved’, ‘Declined’ or ‘Referred’.

If ‘Approved’ - An ‘Approved’ outcome will be displayed on your screen, alongside the next steps you will need to take to finalise your agreement. This could include identity verification or eSigning the credit agreement.

If ‘Declined’ - A ‘Declined’ outcome will give you the option to print 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 requires 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’.

Once your finance application is approved, you will receive an email advising your next steps.
Following the authorisation of your finance agreement, your goods will be dispatched.

FIXED-RATE CLASSIC CREDIT WITH ONLY 10% DEPOSIT

Please ensure that you meet the following criteria:

Minimum spend of £750
Aged 18 years or older
You can provide a residential address on your application (a business address will not be accepted)
You are a resident at the above address
You have been a United Kingdom resident for 3 years or more, and will continue your residency in the UK
You or your partner is in permanent paid employment (over 16 hours per week), retired (receiving a pension), in receipt of a disability benefit or are self-employed
You have a debit or credit card in your name and registered to your address
You have a bank or building society current account
You are purchasing the product for consumer use and not business use

PLEASE NOTE - Classic Credit at 15.9%APR is only applicable to UK residents and is not available to students or the unemployed. Applications that have previously been rejected should not be re-proposed within a 3-month period.

Applying for Interest Bearing Credit Online

Applying for Classic Credit, 15.9%APR couldn't be easier or more convenient. Please check the above criteria before making an application.

When you purchase online from Lunn’s the Jewellers [John H. Lunn (Jewellers) Limited], you have the choice of applying for instant finance by simply adding your purchase to your shopping basket and selecting the option for “V12 Retail Finance” at the checkout. Follow the instructions on the brief V12 Retail Finance application, entering your personal details as required and including your deposit information - we'll do the rest!

N.B: Not all products online are offered for sale with the Classic Credit, 15.9%APR option. Products that are included have the Finance option highlighted on each individual product page. Please be aware that the Classic Credit, 15.9%APR option is also available in-store on selected products. For any questions or queries, please contact us at concierge@lunns.com.

HOW DO I APPLY FOR FINANCE ONLINE?

When you purchase online from John H. Lunn (Jewellers) Limited you have the choice of applying for instant Classic Credit, 15.9% APR by adding your purchase to the shopping basket, selecting the option for V12 Retail Finance, and completing a finance application form at the ‘checkout’. The whole process only takes a few minutes and is simple, secure and straightforward.

Once your finance application is approved, you will receive an email advising your next steps. Please read this carefully, checking that all the details are correct.

Following the authorisation of your finance agreement, your goods can be dispatched.

WHAT HAPPENS NEXT?

Once you've chosen the product(s) you'd like to purchase, paid your deposit online by Card or by PayPal, and submitted your V12 application form which you will be able to access via the 'checkout'.

Your application will either be ‘Approved’, ‘Declined’ or ‘Referred’.

If ‘Declined’ - A ‘Declined’ outcome will give you the option to print our information page about declined applications.

Once your finance application is approved, you will receive an email advising your next steps.

Following the authorisation of your finance agreement, your goods will be dispatched.

Please be aware, in order to safeguard against fraudulent applications, for purchases made online, it is not possible to deliver goods to any address other than the address provided on the V12 Retail Finance application.

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 TERMS AND CONDITIONS

Lunn's the Jewellers, in conjunction with Secure Trust Bank PLC, trading as V12 Retail Finance, is pleased to offer our UK clients the opportunity to apply for Interest Free Credit for some items. IFC options are applicable on most items with a minimum spend of £750 and available for up to 3 Years (excluding Portfolio of Fine Diamonds), with only a 10% deposit. Portfolio of Fine Diamonds items are only eligible for IFC over up to 2 years.

Please note exclusions to this offer apply. Credit is not available on certain items on the website - some brands and items are excluded. Please refer to the appropriate product pages, where you can see if the credit option is offered for that product. Only the goods that display the illuminated finance option on their product page are included in this offer.

Due to restrictions imposed by individual watch and jewellery brands, not all of our products can be displayed online, sold online or have their official prices indicated online. Credit options may differ slightly between our stores and website because of these restrictions. Please contact us at concierge@lunns.com or on 028 9032 9799 for full details or if you should have any questions.

Interest Free Credit offers the opportunity to spread the cost of your purchases over 6, 9, 12, 18, 24 and 36 months* with a 10% deposit in-store and online. *Exclusions apply. Portfolio of Fine Diamonds can only offer IFC for a maximum of 24 months.

The table below shows representative examples:

Based on:	Purchase amount	10% deposit (to be paid now)	Loan amount	Monthly payments	Interest Rate	Fixed Rate of Interest	Total amount payable
36 Months	£2000	£200	£1800	36 monthly payments of £50.00	0% APR Representative	0%	£2000
24 Months	£2000	£200	£1800	24 monthly payments of £75.00	0% APR Representative	0%	£2000

Eligibility criteria for online and in-store Interest Free Credit (V12 Retail Finance) purchases:

For full Terms and Conditions please visit here

KLARNA

We’ve teamed up with Klarna so you can pay for the things you love with zero interest. Founded in 2005 in Stockholm, Sweden, with the aim of making it easier for people to shop online, Klarna’s mission remains the same – to make paying simple, safe and as smooth as possible.

Shop now. Pay later in three instalments with Klarna. Simply choose Klarna when you checkout.

How it Works

Pay later with Klarna. We’re excited to announce we have partnered with Klarna to bring you new ways to pay at checkout.

Through our online store:

Step 1 Add products to your cart and select “Klarna” when you check out

Step 2 Enter a few personal details and you’ll know instantly if you’re approved

Step 3 Klarna will send you an email confirmation and reminders when it’s time to pay and you can manage your orders and payments in the Klarna app.

Payment information

We offer the following payment options with Klarna:

Pay in 3 instalments

Spread the cost of your purchase into 3 interest-free instalments. The first payment is made at point of purchase, with remaining instalments scheduled automatically every 30 days. No interest or fees. Select the Klarna option and enter your debit or credit card information.

A new way to pay that's an alternative to a credit card.

3 instalments gives you flexibility to shop without interest or hidden fees
Not making your payment on time could affect your ability to use Klarna in the future
Debt collection agencies are used as a last resort

Klarna's Pay in 3 instalments credit agreements are not regulated by the FCA. Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders. 18+, UK residents only. Subject to status. T&Cs apply.

Pay online or in the app Review your latest purchases and make payments in the Klarna app or online.

About Klarna Safe and secure

With Klarna, you are always covered through Klarna’s Buyer Protection policy. Modern safeguards protect your information to prevent unauthorized purchases.

Frequently asked questions

Visit our FAQ page to find out more about using Klarna.

About Klarna

At Klarna, we have a relentless focus on creating the best shopping experience in the world. We believe payments are so much more than just a way to send money. That's why our smooth checkout options give you more time and control so you can focus on the things you love.

More than 100 million shoppers are using Klarna
200,000 retailers are working with us worldwide
We're one Europe's largest banks and we've been powering online checkouts for over 15 years

Klarna's Pay in 3 instalments and Pay in 30 days credit agreements are not regulated by the FCA. Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders. 18+, UK residents only. Subject to status. Visit our FAQ.

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Finance Options