Flexible Payments
Antique jewellery is a considered purchase — and spreading the cost should be simple. We’ve partnered with Klarna and Shop Pay to offer flexible payment options at checkout, so you can find the perfect piece without paying everything upfront.
Your Payment Options
Pay in 30 Days
Buy now and pay up to 30 days later. No interest or fees when you pay on time.
Interest-freePay in 3
Split your purchase into 3 equal payments, collected monthly. Interest-free.
Interest-freePay Monthly
Spread the cost over 3 to 24 months with monthly payments. A deposit may be collected at checkout.
0% APR availablePay Later or Split in Three
We’ve partnered with Klarna to give you flexible, transparent payment options. Choose Klarna at checkout and pick the plan that suits you.
Pay in 30 Days
Shop now and get the flexibility to pay up to 30 days later, with no interest or fees when you pay on time. Pay only for what you keep.
Pay in 3
Split your purchase into 3 interest-free instalments, paid every 30 days. Your first payment is collected when your order ships. No fees when you pay on time.
Eligibility
- Be a UK resident
- Be at least 18 years old
- Have a valid UK debit or credit card with a UK billing address
- Have a valid email address and UK mobile number
Klarna’s Pay in 3 and Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply.
Instalments That Fit Your Budget
Shop Pay Instalments, in partnership with Affirm, lets you split your purchase into manageable payments at checkout.
Pay in 3
Split into 3 interest-free monthly payments. Get an instant eligibility decision at checkout. No late fees or hidden charges.
Pay Monthly
Spread the cost over 3 to 24 months with monthly payments. A deposit may be collected at checkout. Subject to a credit check. 0% APR available on selected plans.
Eligibility
- Be a UK resident
- Be 18 years or over
- Have a UK mobile phone number
- Use a debit card with a UK billing address
Shop Pay Installments offers credit in partnership with Affirm as lender. Affirm provides both regulated and unregulated credit, subject to a credit check and minimum spend, which may vary. Terms apply. UK residents only, 18 and over with a debit card. A deposit may be required at checkout. Missed payments could affect your financial status.
Common Questions
Who is eligible for flexible payments?
Both Klarna and Shop Pay require you to be a UK resident aged 18 or over. You’ll need a valid debit card and a UK mobile phone number for verification. All plans are subject to status — you’ll get an instant decision at checkout.
Is there any interest or hidden fees?
Klarna’s Pay in 3 and Pay in 30 days are interest-free when you pay on time. Shop Pay’s Pay in 3 is also interest-free. Monthly payment plans over 6 or 12 months have 0% APR available. There are no hidden fees, though Klarna’s standard terms and late fees apply if you do not pay on time. Shop Pay charges no late fees.
What happens if I miss a payment?
Shop Pay does not charge late fees if you miss a scheduled payment. With Klarna, terms and conditions and late fees apply if you do not pay on time. With either provider, missing or making partial payments may affect your credit score and your eligibility to use flexible payment options in the future.
Is there a spending limit?
Limits vary by provider and are determined at checkout based on your eligibility. For Shop Pay, orders between £50 and £30,000 (including shipping and taxes) are eligible in the UK.
What if I need to return my purchase?
Our standard 30-day returns policy applies to all orders, including those paid with flexible payments. If your return is approved, the refund is applied to your payment plan — reducing your remaining instalments or refunding any overpayment.
Can I use flexible payments with other offers?
Yes. Flexible payment options can be used alongside any discounts or promotions available at checkout.
How do I manage my payments?
Klarna payments can be managed through the Klarna app. Shop Pay payments are managed through Shop Pay or the Affirm app. Both offer payment reminders and full visibility of your schedule.
Ready to Find Your Ring?
Klarna — Klarna Financial Services UK Limited (“Klarna”) is authorised and regulated by the Financial Conduct Authority (“FCA”) for carrying out regulated consumer credit activities (firm reference number 987889), and for the provision of payment services under the Electronic Money Regulations 2011 (firm reference number 1021834). Klarna provides both regulated and unregulated products. Klarna’s Pay in 3 instalments and Pay in 30 days agreements are not regulated by the FCA. Incorporated in England (company number 14290857), with its registered office at 10 York Road, London, SE1 7ND, UK.
Shop Pay / Affirm — Credit is offered by Shopify International Ltd. (FRN: 1031087) in partnership with Affirm UK Limited. Shopify International Limited is an Appointed Representative of Affirm U.K. Limited, trading as Affirm, which is authorised and regulated by the Financial Conduct Authority (FRN: 756087). Affirm’s company number is 10199101 and its registered office is at C/O TMF Group, 13th Floor, One Angel Court, London, EC2R 7HJ.
Responsible borrowing — Please spend responsibly. Borrowing more than you can afford could seriously affect your financial status. Make sure you can afford to make your repayments on time.
Information on this page is correct as of March 2026. The UK Government has confirmed that Buy Now Pay Later products will come under FCA regulation from 15 July 2026, which may change the terms, protections, and disclosures associated with these products. For the most up-to-date information, please check directly with Klarna or Shop Pay.