Interest Free Finance

The perfect item of jewellery is available without a full initial purchase!

At A&M Diggle we are offering interest free credit with a minimum of just 15% on all purchases between £250 and £15,000 for up to 2 years*.
So whether you’re buying a special gift for a special someone or simply treating yourself, you now have the option to spread the costs to suit you.

Visit us in store to make a purchase, and a member of friendly staff will help guide you through the process from start to finish.

Interest Free Credit Options

If you are interested in applying for interest free credit, here are your payment terms and deposit and spend requirements.

615% – 50%£250 – £15,000
915% – 50%£250 – £15,000
1215% – 50%£250 – £15,000
1815% – 50%£250 – £15,000
2415% – 50%£250 – £15,000

Representative Example

Here is a representative example of what an interest free credit purchase might look like.

Sale Price£1200
Deposit of 15%£180
Left to Pay£1020
12 Monthly Payments of£85
Total Pay£1200
finance on custom rings


  • How Do I Apply?

    To apply for interest free credit you must visit us in store. We do not offer online or delivery purchases, so a purchase and application must be done with us in store.
    After selecting your payment terms, we will fill out an online form with you which should take about 10 minutes to complete. Once completed, a credit check by V12 Retail Finance will be made which determines if you will be accepted.

  • What are my deposit requirements?

    We accept a minimum deposit of 15% and a maximum of 50%

  • How long can I spread the payment over?

    If you would like to use interest free credit, there is a minimum term of 6 months. After that, you can spread payments over 9, 12 18 and 24 months.

  • How much can I spend?

    You can purchase any item with us on interest free credit as long as it’s between £250 and £15,000.

  • What happens if my application isn't successful?

    There are a number of reasons why you may be declined by V12 Retail Finance. If you are declined, it may affect your credit score. You might want to get in contact with V12 to find out why, and we can assist you in store to help you do so.

    You can reapply for interest free credit despite being previously declined. However, we do not recommend doing so within 6 months of being declined.

Customer Eligibility

To have the option of finance free credit there are a few requirements you must meet before applying. Please make sure that you are:

  • 18 or older
  • In, or your partner is in, permanent paid employment, self-employment, retirement and receiving a pension, or working
  • A student in part time work or in receipt of a disability benefit
  • Have been a resident in the UK for at least 3 years
  • Have a debit or credit card in your name, which is registered to your address, in order to pay for the deposit
  • Have a Bank or Building Society current account available (you’ll need this to complete the direct debit instruction)

Get in touch about interest free finance

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