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For any finance deal, all we require is a minimum deposit of 10%. If you’re looking to reduce your monthly payments then you can increase your deposit amount, but to get things started this initial minimum deposit is all we need. In addition to this, the value of your order must have a value of at least £500 or more. Credit is available to permanent UK residents only.

PLEASE NOTE: No discounts or offers can be applied to finance deals and all finance applications can only be made on full retail price products.


Up to 36 months’ 0% APR representative interest free finance

Spread the cost with our interest free finance available online and in store.

Our simple finance options allow you to spread the cost of your jewellery or watch purchase over 6 or 36 months.

All you need to do is:

  • Spend a minimum £500 and above
  • Place a 10% deposit
  • Minimum finance amount after deposit £450 and above

To give you an idea of how this could be represented in a payment plan, the table below shows you how much monthly repayments will be based on a range of total order value amounts.

Order valueTerm (Months)Deposit (10%)Monthly Payments
£500 6 £50 £75
£800 12 £80 £60
£1200 18 £120 £60
£2000 24 £200 £75
£4000 36 £400 £100

Representative Example:

  • Cash Price: £1,200.00
  • Deposit: £120.00
  • 0% APR representative
  • Interest rate 0% fixed
  • Number of Payments: 12
  • Monthly Payment: £90
  • Total Amount payable: £1,200.00

For help with your finance please call +44 (0)1604 636957


How do I choose to pay by Finance?

Just select the pay by finance option on the product or let the sales consultant know if you're buying in-store.

Who is eligible to apply for online finance?

To apply for finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 12 months or more. Unfortunately, we are unable to offer online finance to residents of Eire. Homemakers aren't excluded from applying under their own names; however, we will require the employment details of your spouse in order to process your application.

When do my repayments start?

Your monthly repayments will begin one month after your purchase has been delivered.

Are there any arrangement fees or hidden extras for credit?

No. There are no arrangement fees or hidden extras.

Credit subject to status and affordability. Terms & Conditions Apply. Steffan The Jeweller LTD trading as Steffan The Jeweller LTD are a credit broker and are Authorised and Regulated by the Financial Conduct Authority.

Credit is provided by Hitachi Personal Finance, a division of Hitachi Capital (UK) PLC Authorised and Regulated by the Financial Conduct Authority.

How do I apply for online finance?

When you buy online from Steffans the Jeweller Ltd you have the choice of applying for instant finance by adding your purchase to the shopping basket, selecting the option to PaybyFinance, and completing a finance application form.

The whole process only takes a few minutes and is simple and secure. 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, then either e-sign the agreement, if offered, or print and sign the finance agreement twice. Post the document to the address shown on the finance agreement.

Following receipt of your finance agreement and a few additional checks, your goods will be dispatched.

Applying for online finance couldn't be easier or more convenient. Once you've chosen the products you'd like to purchase, simply complete a brief online application form during our complete payment process. Just follow the simple instructions, entering your personal details as required and we'll do the rest.

Once my application is approved, what happens next?

Within minutes of your application being approved, you will be presented with the option to sign your credit agreement. If you are offered the ability to e-sign your credit agreement and choose to do so, a PDF of your credit agreement will be displayed on screen. You should read the credit agreement carefully before clicking all the relevant sections agreeing to its terms. Once you have agreed to the terms of the credit agreement, Steffan The Jeweller LTD will be notified and you need do nothing more. If you are presented with the ability to print and return your credit agreement you should print the PDF agreement, read it carefully and then sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the credit agreement.

Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Hitachi Capital. Shipment of your goods will follow soon after your agreement has been returned to our finance company.

Will your credit score me and if so, what does this mean?

Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies. This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.