You must be over 18 years old and have a UK bank account or building society capable of accepting direct debits. You must have been a UK resident for at least 3 years and be employed, or retired and receiving an income.
Ensure your perfect piece doesn’t get away by applying for finance!
Berganza is pleased to offer our UK customers the chance to purchase with finance. We offer up to 48 months interest free with deposits as low as 10%.
You must be over 18 years old and have a UK bank account or building society capable of accepting direct debits. You must have been a UK resident for at least 3 years and be employed, or retired and receiving an income.
You can apply for finance on any piece up to £30,000.
The maximum loan that you can apply for is £15,000.
You can place any deposit between 10% and 50% of the retail cost.
You can apply for finance by selecting the ‘finance option’ on your chosen piece.
By using our sliding tool, you can alter your deposit, and through the dropdown menu, you will be able to choose how many months you would like to pay over. By adjusting these, you will be able to see what your monthly repayments would be to help you select which payment plan works best for you.
Once you have chosen an option, click ‘apply for finance’ and you will be taken to V12 Finance’s website to complete an application.
You will receive a decision within minutes of completing your application.
This means that V12 will be completing further checks before reaching a decision on your application. They may contact you directly if they require more information.
No, completing a second application will not change the outcome. V12 Finance recommend waiting three months before submitting a new application.
Once your application has been approved and we have received confirmation of the agreement, we endeavour to ship your purchase out to you via Royal Mail Special Delivery within 24-48 hours.
We can only ship pieces out to the home address as stated in the credit agreement.
No, all shipping is complimentary. We use Royal Mail Special Delivery, a fully insured next day service.
For security reasons, you would not be able to collect your purchase from our showroom. We would send it out to the address provided in the application.
Yes, you can. Please let us know as soon as possible, and return the piece to us within 14 days for a full refund of your deposit and cancellation of your application.
Yes, if you let us know your required size, we can size your ring for you in our specialist workshop prior to shipping. Please note that if we did size the ring before you received it, you would not be eligible for a refund.
Yes, you will be invited to come in every year to have your piece professionally checked and cleaned by one of our specialists.
Monthly payments are taken via direct debit.
Yes, please get in contact with V12 directly if you wish to settle your balance early.
V12 are a credit broker and if your application is successful, you will enter into a credit agreement with Secure Trust Bank Plc (V12's parent company) which will be administered by V12. V12 is authorised and regulated by the Financial Conduct Authority. Secure Trust Bank Plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 204550. Please click here to find out more about V12.
