Help centre - finance options

Help Centre - Obtaining Finance For Your Diamond Jewellery

Our user-friendly help centre will answer any questions you may have before purchasing.

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Live online chat or WhatsApp us on 0207 837 2964


We're pleased to be able to offer finance to our
customers, with the option of 6 or 12 months at 0%
Interest Free or 24, 36 or 48 months Interest Bearing.


More information

All we require is a minimum deposit of 10%, you can pay a higher deposit if you wish, and the order must have a value of at least £500.

Item Value: £500 plus - we offer 6 or 12 months interest free credit, or 24, 36 or 48 months at 11.9% APR.

Credit is available to permanent UK residents only.


Example of Finance Offer

12 Months Interest Free Credit

Cash Price £1000.00
Deposit @ 10% £100.00
Charge for Credit £0
Total amount of Credit £900.00
APR 0% APR Representative
Number of Payments 12
Monthly Payment £75.00Total Amount payable £1000.00

48 Months Interest Bearing

Cash Price £1000.00
Deposit @ 10% £100.00
Charge for Credit £222.72
Total amount of Credit £900.00
APR 11.9% APR Representative
Number of Payments 48
Monthly Payment £23.39
Total Amount payable £1222.72

We also offer 24, 36 or 48 months Interest Bearing Credit, on orders over £500.00. Please see previous example above of an Interest Bearing option.


How to apply for finance

If you wish to apply for finance you may do so on the Shopping Basket page. Please select "Show Finance Options" when reviewing your items for purchase on the basket page, you must select Finance before proceeding to checkout.


What Options are available?

We offer either 6 & 12 Interest Free Credit on orders over £500.00. The finance term is dependent on the value of your order (please see below for details). Finance orders are subject to a minimum deposit of 10% which we require before we can process your order.

Order Value Credit Terms


6 or 12 Months Interest Free @ 0%

24/36/48 months at 11.9% APR


How quickly will my application be processed?

Your application will be processed as soon as you complete your application online. You will receive an instant decision, Approved, Referred or Declined. You will be sent an email to confirm the status of your application as soon as it has been processed.

Once my application is approved, what happens next?

Once you have filled in the online application, in most cases you will be able to electronically sign the paperwork and therefore nothing further will be required from you.  In some cases, you may be required to post some information to Hitachi Capital. It is your responsibility to send this information as a matter of urgency, as we will not begin manufacturing your order until we have received confirmation from Hitachi that they have received the relevant, required paperwork.


If you refuse my application, what is the reason?

You will not be given a reason for your application being refused, but if refused it will usually be for one of the following reasons, or combination of these factors:

Your credit score/rating
You are considered to be overcommitted
You are aged under 18
Your existing account performance with other lenders

Please bear in mind that it is not Purely Diamonds who have declined your application, it is Hitachi Capital who are providing you the finance, and we cannot give you any information regarding why your application was refused.

The Credit Reference Agency gives you a credit score based on their assessment of your credit history, for example your payment history on any current or settled financial commitments. This score is then used as part of the assessment of your application which on this occasion did not meet our minimum requirements.

The address and contact details of the Credit Reference Agency that we used is detailed below.

Experian Help Service
PO Box 8000

Telephone number - 0844 481 8000

If you write to the Credit Reference Agency asking for a copy of your file and enclosing a £2 administration fee, the Credit Reference Agency will provide you with a copy.

If after receiving your credit history information you wish to appeal against our decision or would like further information regarding our decision, please write to me at the above address or email to Replies to letters or emails will be sent by post.

Please note that we are unable to discuss your application by telephone.


Who is my finance agreement actually with?

Finance will be provided by Hitachi Capital (UK) PLC. Hitachi Capital (UK) PLC is registered in England and Wales, Company No. 1630491.Registered Office: Wallbrook Business Centre, Green Lane, Hounslow, Middlesex, TW4 6NW. Hitachi Capital (UK) PLC is authorised and regulated by the Financial Services Authority.

Purely Diamonds T/A Just Jewellery Limited are licensed credit brokers "Licence Number 646977".


Who is eligible to apply for online finance?

To apply for online finance, you must be a resident of the United Kingdom and have lived in the UK for the last 12 months or more.

You must be 18 years or older, work a minimum of 16 hours a week, or be retired with an income.

Homemakers are not excluded from making an application in their name; however the employment details of your spouse will be required in order to process your application.

Please Note: We offer multiple currencies on our website, but Finance/Credit is only available to customers paying in GBP (Sterling).

If my finance is refused, do I get my deposit back?

Yes, we have to temporarily 'hold' your deposit in order to process the application, but if your application is declined by Hitachi the hold on your deposit is released and no deposit is actually processed or taken. The hold on the deposit does mean your available balance will be reduced by the deposit amount for up to 3-5 working days, this is due to your banks own refund procedures.