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Jewellery Financing

At Ethica, we realise investing in your dream piece of jewellery can be daunting. It is important to us that every part of your journey with us feels personal. We can help with the best option for financing your next piece of fine jewellery.

Flexible Payment Options

We love being part of all your biggest moments and when it comes to buying an engagement ring it’s all about the little details. By getting these right, we know that you’ll choose the ring they’ll treasure for a lifetime – because if it means the world to you, it does to us too.




Credit Card


Apple Pay


Bank Transfer



Jewellery Financing & Payment Plans

What payment plan options do you offer?

Checkout With PayPal
Complete your Ethica Diamonds purchase using information from your PayPal account.

Checkout With Apple Pay
Complete your Ethica Diamonds purchase on our mobile site using your Apple Pay account.

Klarna - Pay in 3
Split your purchases into 3 interest-free monthly payments. The first payment is made at the point of purchase, with the remaining payments scheduled automatically every 30 days. Your payments are automatically withdrawn from your connected card or bank account according to the agreed payment schedule, but you can make early payments anytime you wish.

Klarna - Pay in 30
Make a purchase and wait for it to be delivered before paying. You only have to pay for what you keep.

Bank Transfer (BACS)
Ethica Diamonds will give you the account information you will need to provide to your bank in order to transfer funds from your account directly to our Ethica Diamonds account. It may take a few days for your bank to process the bank transfer. Once your bank has transferred the funds, Ethica Diamonds is immediately notified, you will receive a confirmation, and your order is processed. Order times may vary based on receipt of bank wire payment. If you have any questions about the process involved in a bank transfer, contact your bank or call Ethica Diamonds on 01872 222248.

Credit Cards
We accept all major credit cards including Visa, Mastercard and American Express.

Ethica Diamonds also offers layaway payments for both UK and international customers

Items will be held for up to 12 months from the initial date of sale. 

If before the end of the stated layaway period, the goods have for any reason become no longer available in the same condition as at the time of the sale, Ethica Diamonds will refund any deposits or payments made under this layaway transaction. 

Ethica Diamonds layaway purchases require an initial deposit of 20% of the purchase price.

Layaway purchases require a regular minimum payment on the 1st or the 15th of every month after the initial deposit as agreed with our customer service team. Minimum monthly payment is either a) 5% of the total order value or b) £100, whichever is lower in value. Customers may make an additional or larger payment at any time.

Layaway orders must be paid in full within 12 months from the original date of purchase. For orders not paid in full after 12 months, Ethica Diamonds reserves the right to discontinue the hold on the layaway merchandise.

The layaway deposit may be refunded or applied toward an exchange item within 30 days of purchase, with the exception of custom designed, custom engraved, modified merchandise, or special orders which are non-refundable and non-exchangeable.

Layaway payments are non-refundable after 30 days from the initial purchase date. Should customers need to cancel their layaway purchase before shipment and after the 30 days from the initial purchase date, a restocking fee of 20% of the full purchase price will be deducted from the amount paid, with the remaining balance to be applied as store credit.

Layaway ring orders, with the exception of custom designed, custom engraved, modified, or special orders which are nonrefundable and non-exchangeable, may be resized within 30 calendar days of the ring being shipped from Ethica Diamonds.

Other Options
If you would like to finalise your purchase using multiple credit cards or a combination of payment methods, please call us on 01872 222248.

What is layaway?

Layaway is an instalment-based payment plan that allows you to pay for your jewellery over a period of weeks or months. Instead of paying for your purchase after you receive it, you can make layaway payments before you receive your purchase.

Can you do a payment plan for an engagement ring?

Yes, you can select a payment plan for an engagement ring if you would prefer to pay it off over time. Review our financing options or contact our customer service team to see which plan might be the right fit for you.

What do I do if my credit application is declined?

If your application was declined, your lender may be unable to give you specific reasons why. Lenders use information from your credit report, alongside your income and expenditure data to make a lending decision. If you feel that there has been a mistake, please contact your lender – their contact details will appear on the email informing you that your application was declined.

You can also contact the Credit Reference Agencies if there is a mistake on your credit report: