ETHICA FINANCE

Ethica Diamonds is now interest free! Purchasing an engagement ring is a huge investment and something that we know people do not take lightly. We believe everyone* should be able to access kind, not mind jewellery which is why we offer finance, to take the pressure off of such a special investment.

We offer 0% interest free finance for 6, 9 and 12 months on all orders over £250. The value of the loan needs to be over £250 and no more than £15,000. You can choose even choose a deposit of between 25% –  50% of the value of the goods!

Applying for finance could not be easier, the whole process can be done online in under two minutes, apply today and get an instant decision.

See information below for how to apply.

*Terms & Conditions apply, 18+

HOW IT

Works

ETHICA FINANCE

STEP 1
Add products to your basket

STEP 2
Select Deko at checkout

ETHICA FINANCE

STEP 3
Complete the application

Illustrated gif of a box with flapping angel wings

STEP 4
Wait for your order to arrive

Duologi Logo

Used responsibly, a loan is a great way to spread the cost of your purchase. To make it easy we’ve teamed up with Deko whose technology lets you apply for and complete a loan application quickly, easily and informatively.

Deko is a credit broker, not a lender. Deko’s secure technology helps put you in touch with lenders whose finance options are best suited for you and your purchase. As a customer of Ethica Diamonds, your finance application will be with Duologi.

Simply add the items you love to your basket. Once you are at the checkout select the finance option that suits you and choose Deko. The quick application form is simple and should take no more than a couple of minutes to complete and you will receive a decision instantly. Easy!

Representative example would be:

0% finance over 12 months

  • Total order value = £1000
  • 25% deposit = £250
  • Total amount of credit = £750
  • Duration = 12 months
  • Representative APR = 0%
  • Interest charged = £0
  • 12 monthly payments of = £62.50
  • Total amount payable = £750

Finance Calculator

Enter the purchase price below

Calculate

Eligibility

Before you apply, please note that you will only be considered for finance if you:

• Are at least 18 years old
• Are in regular full or part-time employment (minimum 1 hour per week or £10,000 income per annum), unless you are retired and receiving a private or company pension, or you are in receipt of disability living allowance
• Are a permanent UK resident and have lived in the UK for at least 3 years
• Have a UK bank account capable of accepting Direct Debits
• Have a good credit history with no late payments, Debt Relief Orders, County Court Judgments or bankruptcies.

Payment Plans

We offer 0% interest free finance for 6, 9 and 12 months on all orders over £250. The value of the loan needs to be over £250 and no more than £15,000. You can choose a deposit of up to 50% of the value of the goods.

Finance Decision

Will I be accepted for finance?

Whether you’re accepted for finance or not depends on many different factors. At Duologi they have a dedicated credit team that uses their bespoke credit engine to help them reach decisions. Duologi will perform a search with one or more Credit Reference Agencies to conduct their creditworthiness and affordability assessment to help them make their decision. This search will appear on your credit file and will be visible to other lenders if you apply for credit with them in future.

In some cases, your application will be referred for further assessment. You may be asked to provide some more information to help Duologi make their decision. If this does happen, you will be told whether your application has been accepted as soon as the decision is made.

What do I do if I have been declined?

If your application was declined, Duologi may be unable to give you specific reasons why. Duologi uses 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 feel free to contact Duologi via email at support@duologi.com or call them on 0345 5211 881 Option 2.

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

Experian – https://www.experian.co.uk/
Equifax – https://www.equifax.co.uk/Products/credit/credit-score.html
TransUnion – https://www.transunion.co.uk/

Finance Agreement

I have a question about my finance agreement who should I contact?

Please contact Duologi’s customer service team on 0345 5211881 (option 2) or via email at customers@duologi.com

I want to change my Direct Debit details.

Changing your payment date can only be done after the first payment has been taken. . Please contact Duologi’s customer service team on 0345 5211881 (option 2) or via email at customers@duologi.com

I want to update my personal details.

Please contact Duologi’s after-sales support team on 0345 5211881 (option 2) or via email at customers@duologi.com

I’m having problems paying my deposit online

We’re sorry to hear this. Please contact Deko’s customer support team at support@dekopay.com or by phone on 0800 294 5891.

When will I receive a copy of my loan agreement?

As part of your application on the Deko platform, you will be presented with pre-contractual information and a copy of your credit agreement for you to digitally sign. Please take time to check the details in these documents are correct and that you understand the amount and frequency of your payments before you sign. Once your deposit has been paid, a copy of your e-signed credit agreement will be emailed to you.

You can get a copy of your loan agreement by contacting support@duologi.com

Payments & Orders

How do I make my monthly payments?

Your payments will be taken by Direct Debit using the details you provide during your application. If you’d like, you can make additional payments by debit or credit card.

Can I request delivery to an address other than my home address?

In order to safeguard against fraudulent applications, we regret that we are only able to deliver goods to your home address.

I want to amend my order.

If you have been approved for finance, the amount or term cannot be amended. You will need to contact us(your retailer)to amend the goods or services your ordered and you may need to complete a new application for finance.

Please note we cannot guarantee a new credit application will be approved. All credit applications will leave a credit “footprint” on your credit history.

I haven’t received my goods or service.

Please contact us either by phone: 01872 222248 or email: info@ethicadiamonds.co.uk

What should I do if I can’t make my payments?

If you find that you’re struggling to make your payments, you should contact Duologi as soon as possible. They will work with you to come to a repayment solution that meets your needs and does not put you at risk of wider financial difficulties. Please contact Duologi’s customer service team on 0345 5211881 (option 2) or via email at customers@duologi.com.

Cancellations & Returns

I want to return my goods and cancel my finance agreement.

You will have a 14-day cooling off period, during which you can cancel your finance agreement.

To cancel your finance agreement, you will need to contact us (your retailer) and arrange to return your purchase or cancel the services. Once we have confirmed cancellation, we will advise Duologi to cancel your finance agreement and refund any payments that have been made.

If you have made an in-store application, we will refund any deposit payments that you made.

Please note: in some cases and depending on the nature of the product or service you have purchased, you will not be able to return your goods. Our terms and conditions will explain the types of goods that cannot be returned.

What happens to my loan if I want to return my order?

There is a 14-day cooling-off period where you can withdraw from the credit agreement after signing your documents. If you wish to do this, please contact us (your retailer) directly. We can cancel the application on your behalf. There is no need to contact Deko or your lender.

A payment plan does not affect our standard refund and returns policy. Just contact us and we’ll cancel your application. Your lender will refund your deposit and let you know if you have any balance to repay.

View our refund and returns policy here.

For any other questions contact us by telephone: 0182 222248 or email: info@ethicadiamonds.co.uk

Complaints

Unfortunately, things sometimes go wrong. If you have cause to complain about the service you’ve received from Deko or Duologi, you can make a complaint either by phone or in writing.

To complain about our goods or services, please contact us on 01872 222248 or info@ethicadiamonds.co.uk and we will aim to resolve your complaint as quickly as possible. More information about our complaints handling process can be found in our terms and conditions.

If your complaint is about your finance agreement, you should contact Duologi:

Correspondence address is: The Square, Arena, Basing View, Basingstoke RG21 4EB
Contact Number for Complaints is: 0330 1188938
E-mail address for Complaints is: complaints@duologi.com

Their complaints policy sets out all you need to know to help you raise your complaint with them. For further information please visit https://duologi.com/complaints/

Still have questions?

For any questions related to Financing please contact Duologi Finance on 0345 5211881 (option 2). Please visit Duologi for a list of FAQs: https://duologi.com/faqs/consumer/#faqs-nav

For any questions related to the Finance application, Please visit Deko for a list of FAQs: https://www.dekopay.com/customer-support

Use of your personal data

In order to process your application, you will be asked to provide information about your personal, employment and financial situation. Deko will need to share your personal data with Duologi the lender so that they can make a decision about whether to offer you finance. Duologi will perform a search with one or more Credit Reference Agencies to conduct their creditworthiness and affordability assessment to help them make their decision.

You can find out more about how Deko and Duologi use and protect your personal data in their Privacy Policies:

Deko Privacy Policy

Duologi Privacy Policy

Discounts & Promotions

Our discount codes do not apply to orders placed with finance. This is because we absorb the costs associated with offering our customer’s the option of paying with interest free finance, making their purchase easier and stress free. If discount codes are used at the checkout using our finance option, we will contact you to pay the discounted sum directly before we can place your order.
Please contact us for more information and help with our promotions.

Kinetique Ltd, trading as Ethica Diamonds, is acting as a credit broker and not a lender. Finance is provided through the Deko platform by Duologi, a trading name of Specialist Lending Limited. Specialist Lending Limited is authorised and regulated by the Financial Conduct Authority (register number 774712). 0% finance with a term of 12 months or less is not regulated by the Financial Conduct Authority.

Deko is a trading name of Pay4Later Ltd which acts as a credit broker, not a lender and does not charge you for credit broking services. Pay4Later Limited is registered in England and Wales (company number 06447333) and is authorised and regulated by the Financial Conduct Authority (register number 728646). For more information please go to www.dekopay.com/support or visit www.dekopay.com