0% interest free finance available on products over £500. Instant decision available online.

Example of Finance

Six Months Interest Free - spread the amount over 6 monthly payments
Total Goods price: £500
Deposit Amount: £50
Loan Amount: £450
5 monthly instalments of: £75
Final month instalment of: £75
Total price paid: £500

• £500 plus - 6 and 9 months interest free credit
• £1000 plus – 6, 9 and 12 months interest free credit
• £1500 plus – 6, 9, 12 and 18 months interest free credit

Applying for online finance

Applying for online finance couldn't be easier or more convenient. Once you've chosen the products you'd like to purchase, simply complete a brief on-line application form accessed via the 'checkout'. Just follow the simple instructions, entering your personal details as required and we'll do the rest.
Your questions answered!

How quickly will my application be processed?

If your online application is received between 9am and 8pm, Monday to Friday (excluding Bank & Public holidays), 9am and 6pm on Saturday, or 10am and 5pm on Sunday then in the majority of cases, you will receive a decision within a matter of minutes. If you submit your application outside of these hours, then you will likely receive a response the next working day. You will be sent an email to confirm the status of your application as soon as it has been processed.

Once my application is approved, what happens next?

Within minutes of your application being approved, you'll be sent via email, a link to your credit agreement, which can be easily downloaded. Alternatively, you can request for a printed out, hard copy of your agreement to be posted to you. All agreements are supported with a copy of the terms and conditions. Once downloaded/received, you'll need to read the agreement carefully, then sign and return it to our finance company with the original documents requested. Note that products will not be allocated to your order until your completed and signed agreement is returned and received. Shipment of your goods will follow as soon as your agreement has been returned to our finance company (usually on the same day).

Will you credit score me and if so, what does this mean?

Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies. This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion, disability or colour.

If you decline my application, what is the reason?

In addition to credit scoring, we also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though we are unable to provide you with a main reason for decline of your application, it is usually based on one, or a combination of the following:

- Your credit score (note that every finance company will score you differently)
- Adverse credit reference agency information
- You are considered to be overcommitted
- You are aged under 18
- Your existing account performance with other lenders

What type of information do credit reference agencies hold about me?

Some of the information is public information, for example electoral roll, County Court Judgments and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.

How do I obtain a copy of this information?

You should send a cheque for £2, made payable to the relevant company, together with details of all addresses at which you have lived over the last 6 years:

Consumer Help Desk Experian Limited PO Box 8000 Nottingham NG1 5GX
or
Equifax Department 1E PO Box 3001 Glasgow G81 2DT

You can also find out more about credit decisions by visiting the above companies' websites: http://www.experian.co.uk/ and http://www.equifax.co.uk/
The above listed agencies will provide details of information relating via these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.
Who is my finance actually with?
We source the best value finance products from providers who excel in their customer service. Your finance agreement will be with one of the UK's leading finance houses.

If my application is not successful, can I re-apply?

Yes. We acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that we'll automatically turn down a further request. We do suggest however, that you leave at least 6 months between applications.
Who is eligible to apply for 365Diamond.com online finance?

To apply for 365-diamond.com Finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last three years or more. Unfortunately, we are unable to offer online finance to residents of Eire. Homemakers aren't excluded from application under their own names; however we will require the employment details of your spouse in order to process your application.