Using Payl8r

How It Works

1 Checkout With Payl8r

Click the Payl8r option at the checkout

2 Our payment process

Select deposit, instalment plan & complete the 60 second application form.

3 Recieve Confirmation

Your items have been paid for and on their way to you!

4Account Setup

Log into your account to view all purchases and payment dates.


These terms and conditions apply to the R&R Jewellers minimum loan value of £250 and the maximum loan value up to £15,000. 0% finance is available on jewellery above £250, you can choose to pay across 6 months with a minimum deposit of 10% or across 12 months with a minimum deposit of 30%. We also offer Classic Credit with 9.9% APR across 24, 36 or 48 months with a minimum deposit of 10% required.

0% APR Finance Example
Cash Price £500.00
Deposit 50% £250.00
Amount of credit £250.00
Cost of loan £0.00
Total amount payable £250.00
Payable by 6 monthly payments £41.67
APR 0%

9.9% APR Finance Example
Cash Price £1,950.00
Deposit 10% £195.00
Amount of credit £1,755.00
Cost of loan £178.48
Payable by 24 monthly payments £80.56
APR 9.9%

What Is The Cost Of The Loan?

The cost of the loan will vary depending upon the repayment duration and type of finance you choose to take out.

Please note
Finance examples shown above are subject to status. Terms and conditions apply.

How To Apply?

You can apply by selecting this method of payment at the final stage of the checkout process. It only takes a couple of minutes and you'll get an instant decision.

Do I Qualify For Finance And What Do I Need?

To apply for finance you must meet the following criteria:

  • You must be over 18 years of age.
  • You must be a UK resident with at least 3 years continual address history.
  • You must be in full time employment, unless retired or a house person with a spouse in full time employment.
  • You must have a UK bank account capable of accepting Direct Debits.
  • The goods must be delivered to your home address.

The Benefits Of Buying Jewellery With Finance

  • Buy the jewellery you want with as little as 10% deposit.
  • Choose 24, 36, 48 month repayment periods, available at 9.9% interest rate.
  • Invest in more expensive jewellery now but with low monthly payments.
  • One stop shopping, no need to go to the bank to secure a loan.
  • Keep cash for day-to-day expenses.
  • Fixed payments allowing you to budget effectively.

How To Finance An Engagement Ring?

Engagement rings are expensive and that’s why purchasing one can be a major financial decision. Some people prefer to pay by taking out engagement ring finance, even if they have the cash straight away, as it means that they do not need to spend their savings in full and the payments can be spread across a certain amount of time.

There are a number of finance options available depending on the repayment period that you prefer to select. If you wish to take out engagement ring finance, you will first need to apply. To do this, simply select this method of payment during the final stage of the checkout process or speak to a member of our sales team who will be able to help. It doesn’t take long to find out whether you qualify for finance and in most instances you will get a decision straight away.

Frequently Asked Questions

Please take a moment to read through a selection of the most commonly asked questions we receive about finance. If you cannot find a response to a question you might have, please do not hesitate to get in touch on 01642 449922.

0% interest is available on all jewellery for sale above £250, made payable over 6 months with a minimum of 10% deposit or 12 months with a 30% deposit. We also offer a 9.9% interest credit option with a minimum of 10% deposit, which can be made payable over 24, 36 or 48 months.
Yes, a minimum of 10% deposit will need to be paid upon acceptance for 0% interest loans payable over 6 months and 30% deposit those made payable over 12 months. For 9.9% interest loans, paid across 24, 36 or 48 months, a minimum of 10% deposit is required.
All monthly payments are paid by direct debit from your personal bank account. Typically the first payment will be due one month after the date of the finance agreement and subsequent monthly payments will be due every month for the length of your loan term, on that day of the month.
You can purchase anything you like, as long as it meets the criteria set out here. Please remember that the minimum order value for finance is £250.
Length of repayment is 6 or 12 months for 0% interest loans and you can choose a 24, 36 or 48 month loan repayment period for our 9.9% interest loans.
You can apply on our website. Simply follow the checkout process, once you have selected the items you want, and select Richard-Ryan as a payment method.

Get In Touch

If you would like to talk to our friendly Customer Care Team about any of the finance issues outlined above, please get in touch on 01642 449922.

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