Finance & Interest Free Credit
Finance & Interest Free Credit
Payment Plans with you in mind
Whether you’re buying a gift for someone special, or treating yourself to something beautiful, we offer flexible finance options both online and in-store to help you spread the cost of your purchase in a way that suits you.
Our Finance Options
v12 Finance
- £500 minimum spend.
- 0% APR representative on purchases up to 36 months.
- Minimum 10% deposit required.
- Pay over 12, 24, 36, 48 months
Klarna
- Short-Term Pay in 3 for purchases between £100 and £499. Split the cost into three equal, interest-free installments.
PayPal
- £99 minimum spend.
- 0% APR representative.
- £0 deposit available.
- Pay in 3 for smaller purchases under £99.
How Do I Apply Online?
STEP 1
Add your chosen items to your cart, proceed to checkout, and select V12, Klarna or PayPal as your payment method. Then place your order.
STEP 2
You’ll be guided through the relevant finance flow:
Klarna or PayPal: log in or create an account to continue. For V12: you’ll be redirected to V12’s application form instantly.
STEP 3
Enter your personal, billing, and deposit information (if applicable), then select your preferred credit plan (terms vary by provider).
STEP 4
Submit your application. Most decisions are made instantly with a soft credit check for short-term plans; longer finance options may involve a hard credit search. A deposit may be required upfront depending on the plan.
STEP 5
You’ll receive a decision quickly:
If Approved; your order will be confirmed and dispatched once any deposit is paid.
If Not Approved; you will be notified by email with details on next steps or further requirements.
FAQS
For short term payment plans such as Klarna and Paypal pay in 3, a soft credit check will be used and will not affect your credit score.
For longer term financing with V12 and Klarna Finance, a hard check. Once your order has been confirmed by the retailer, all agreements are registered with the credit reference agency.
Find out more information provided by Experian.
All providers require applicants to be UK residents aged 18+ with a valid debit/credit card and stable income. Eligibility is assessed during the application process.
PayPal Pay in 3 eligibility depends on your PayPal account status and transaction history; not all merchants or basket values qualify (usually £30–£2,000).
V12 Finance generally allows early settlement, with rebates on interest, structured according to UK regulations.
Klarna Financing collects payments via Direct Debit; you should ensure adequate funds on due dates. Early or extra repayments may be permitted via the Klarna app or account dashboard.
PayPal Pay in 3 lets you make unscheduled or full repayments. You can also change your payment method at any time via your PayPal account.
V12 Finance missed payments may lead to late fees and affect your credit history; exact terms depend on your agreement.
Klarna may charge fees for missed payments. As regulation tightens in the UK, affordability checks and protections will increase.
PayPal Pay in 3 missing a payment may affect your eligibility for future plans and your credit file. PayPal may offer a one‑time payment holiday, subject to criteria.
Please seek assistance from your relevant credit supplier - They will do their best to support you.
If your credit application is declined, you will receive notification via email from our credit partner, with further instructions on how to dispute the decision.
Alternatively, reach out to use for guidance on how to proceed with your purchase.
Absolutely! If you would rather sit down with one of our experienced team members, we would be happy to guide you through the application process. Book a consultation here.
If you require more information from our finance providers or need assistance with an existing plan - please get in touch via the relevant link below.
V12 Contact: https://www.v12retailfinance.com/customer/contact-us
Klarna: https://www.klarna.com/uk/customer-service/
Paypal: https://www.paypal.com/uk/cshelp/contact-us
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.
Speak to the experts
Our team is available to assist you with all your jewellery needs. Book in today and expierence Wongs Jewellers.
