Interest-Free Finance Options at Wongs Jewellers
Whether you’re buying a special gift or treating yourself to something beautiful, we offer flexible finance options to help you spread the cost of your purchase in a way that suits you.
We are pleased to offer interest-free finance through both Klarna and V12 Retail Finance. Both options are available for online and in-store purchases. Our friendly experts are always here to guide you through the process and help you find the best option.
Our Finance Options
Klarna Finance
Perfect for purchases from £100 to £5,000, Klarna allows you to pay at your own pace with no hidden fees.
Pay in 3 (for purchases between £100 and £499)
Split the cost into
three equal, interest-free instalments
Payments taken automatically every 30 days
No interest, no fees, no impact on your credit score
Long-Term Finance (for purchases between £500 and £5,000)
Spread the cost over 6, 12, 24 or 36 months at 0% APR
Minimum deposit: 10% of the purchase value
Credit check required
Simple, flexible monthly payments managed via the Klarna app
Klarna Finance Eligibility
Must be a UK resident aged 18 or over.
Must have a valid debit or credit card in your name.
Subject to Klarna’s credit approval.
Find out more about Klarna
V12 Retail Finance
For purchases of £250 - £12,000, you can also choose our V12 Retail Finance option.
Available Terms
Interest-free finance available over
12, 24, or 36 months
48-month option available at 9.9% APR
Minimum deposit: 10% of the purchase value
V12 Finance Eligibility
Must be a UK resident for at least 3 years.
Must be over 18 years old.
You or your partner must be in permanent employment (over 16 hours per week), self-employed, retired, or in receipt of a disability benefit.
Must have a debit/credit card and UK bank account registered to your home address.
Quick Finance Summary
| Finance Provider |
Purchase Value |
Terms |
Interest Rate |
| Klarna Pay in 3 |
£100 - £499 |
3 instalments |
0% APR |
| Klarna Finance |
£500 - £5,000 |
6, 12, 24, 36 months |
0% APR |
| V12 Finance |
£250+ |
12, 24, 36 months |
0% APR |
| V12 Finance |
£250+ |
48 months |
9.9% APR |
Good to Know
Minimum Spend: Klarna Pay in 3 starts from £100. Klarna Long-Term Finance starts from £500. V12 Finance starts from £250.
Deposit: A minimum 10% deposit is required for long-term finance options.
Sale Items: Finance is not available on sale items.
Discounts: Discounts and loyalty schemes cannot be applied to finance purchases.
Multiple Items: You can finance multiple items if the combined total meets the minimum spend requirement.
Application Decision: Approval is subject to the lender’s decision. If declined, please contact Klarna or V12 directly for more information.
Payment Methods
Klarna Finance
V12 Retail Finance
Credit & Debit Cards
Cash payments up to £10,000
Existing V12 Customers
If you have an existing V12 finance agreement and are looking for information, you can contact V12 directly:
Phone: 02920 468916
Email: underwriting@v12finance.com
Legal Information
BSP Partners Limited trading as Wongs Jewellers is registered in England & Wales – Company Registration Number 06441797. Registered Office: Oriel House, 2-8 Oriel Road, Bootle, Liverpool, L20 7EP.
BSP Partners Limited acts as a credit broker, not the lender, and offers credit products from Klarna and Secure Trust Bank PLC trading as V12 Retail Finance. Authorised and regulated by the Financial Conduct Authority. FCA Registration Number: 725672. Credit provided is subject to status and minimum spend.
BSP Partners Limited trading as Wongs Jewellers is registered in England & Wales – Company Registration Number 06441797. Registered Office Address Oriel House, 2-8 Oriel Road, Bootle, Liverpool, L20 7EP. BSP Partners Limited act as a credit broker, not the lender and only offers credit products from Klarna. BSP Partners Limited is authorised and regulated by the Financial Conduct Authority FCA Registration Number 725672. Credit provided is subject to status and minimum spend.
