Finance Options

Ways to Pay at Aariya Diamonds

An engagement ring or a fine piece of jewellery is a considered purchase. We offer a small number of carefully chosen ways to pay, so you can choose the one that suits you.

Please borrow responsibly. Only choose a credit option if you are confident you can make every repayment on time.

Your options at a glance

  • Klarna: Pay in 3, available at checkout.
  • Finance through Dopple: compare finance plans from a panel of lenders.
  • The Aariya Reserve Plan: reserve your piece with a deposit and pay the balance in instalments before you collect it. This is not credit.
  • Pay in full: Visa, Mastercard, American Express, Apple Pay and Google Pay.

Klarna

Split your purchase into 3 interest-free instalments with Klarna

Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. Subject to status. Ts&Cs and late fees apply.

Klarna's terms: klarna.com/uk/terms-and-conditions

Finance through Dopple

Dopple is a credit broker. It searches its panel of lenders and lets you compare plans side by side, for example by lowest monthly payment or lowest APR, then apply for the one that suits you. Credit is subject to a status and credit assessment by the lender.

Representative Example: Total loan amount = £5,000. Repayable by 60 monthly repayments of £116.26. Total charge for credit = £1,975.81. Total amount repayable = £6,975.81. Representative APR 14.9% fixed. Please note, the rate which you are offered may differ from the rate above, and it will depend on your personal credit circumstances. The other rates that are available are 16.9% APR and 19.9% APR.

Missed payments may affect your credit file, future borrowing and incur fees.

The Aariya Reserve Plan

Our own plan lets you secure your piece now and pay for it over time, with no interest and no credit check. Because we hold your piece until it is paid for, this is not a credit agreement.

  • Pay a deposit of at least 10% to reserve your piece.
  • Pay the balance by weekly or monthly standing order.
  • Collect your piece, or have it delivered, once the full balance is paid.

Illustrative example: on a £3,000 piece, a deposit of £300 leaves a balance of £2,700. You pay this by standing order, and your piece is released once the £2,700 has been paid in full.

Speak to us for full terms.

How it works online

  • Choose your piece and add it to your basket.
  • At checkout, choose Klarna or Dopple as your payment method.
  • You will be taken to the provider's secure page to see your options and apply.
  • The provider will tell you its decision straight away. Once you are approved, your order is confirmed.
  • Your piece is sent by free insured UK delivery.

Visiting our showroom

  • Book an appointment to see our collection in person.
  • Ask in the showroom about finance options.

Who can apply

  • You must be 18 or over and a permanent UK resident.
  • All credit is subject to status and the provider's credit and affordability checks.

Frequently asked questions

Will applying affect my credit score?

Providers may run a credit check, and how you repay can be reported to credit reference agencies. Each provider explains its checks before you apply.

Is Klarna regulated?

Yes. Since 15 July 2026, Klarna's Pay in 3 has been regulated by the Financial Conduct Authority.

What if my application is declined?

You can still pay in full, or speak to us about a Reserve Plan.

Can I return an item bought with finance?

Yes, our usual returns policy applies. Once we have processed your refund, the provider will adjust or close your agreement.

Who do I contact about my repayments?

Please contact the provider directly: Klarna through its app or website, or your lender through Dopple.

Speak to us

We are always happy to talk through your options.

Important information

Aariya is an Introducer Appointed Representative of Social Money Ltd t/a Dopple, a company registered in England under company number 08054296, and is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number 675283. Registered with the Information Commissioner's Office under reference number ZA026178

We do not charge you a fee for our service. We receive a commission based on a percentage of the total amount of finance taken. This will not affect the interest offered, or the total amount repayable.

Klarna credit is provided by Klarna Financial Services UK Limited, which is authorised and regulated by the Financial Conduct Authority (firm reference number 987889).