TL;DR: whether a bespoke ring can be paid for in instalments is a question to ask us directly at the start of your commission, because arrangements depend on the design and are agreed in writing. Many bespoke pieces are paid in stages, such as a deposit and a balance, and we set out our terms in writing before you order. Nothing is made until you approve the design in writing. Pieces start from £600.
Stages and instalments are different
Paying in stages usually means a deposit to start, then the balance before delivery. Instalments means spreading the cost over more payments. They are not the same, and what is offered depends on the arrangement we agree with you. We would rather give you a clear answer in writing than a vague one now.
Why we ask you to enquire
Every bespoke design is different, in value, in timing and in what suits your circumstances. A fixed policy would not fit everyone. If you would like to spread the cost, tell us at the beginning, and we will explain what is possible and put it in writing before you commit.
What to ask any maker
- Is the total price fixed, and in which currency?
- When is each payment due?
- What happens if you miss a payment?
- Is the ring made before or after each payment?
- Are there fees or interest?
Ask for the answers in writing. Be cautious about any scheme that charges interest or fees you do not understand.
Planning your own budget
Whatever arrangement is agreed, a little planning makes it easier. Work out the total you are comfortable with, including the costs that sit outside the ring such as insurance, and, for overseas customers, import duty and tax. Decide how much you can pay at the start and how much later, and tell us the dates that suit you. A plan you can keep calmly is better than a plan that stretches you, and a simpler design that you can comfortably afford can be just as meaningful.
Do not feel pressured
Choosing how to pay is your decision. A good maker explains the options clearly and gives you time to think. If you are ever asked to commit quickly, to pay to a personal account or to agree to terms that are not written down, pause and ask for the details in writing before you go any further.
Paying safely
Pay only into an account named on your invoice, confirm payment details by video or phone, and keep every confirmation. Our guide to paying a deposit safely online explains the checks worth making.
Exchange rates
If you pay from abroad, each payment can convert at a different rate, so the total in your own currency can differ from your first estimate. Allow a small cushion in your budget. Our guides to paying in CAD, AUD and NZD explain what to expect, and reading your invoice and certificate explains our documents.
Timing
Standard making time is 5 to 6 weeks, varying with your location and how busy we are. If you want to spread payments, start early, because the schedule can affect when work begins. Our guide to how written approval works explains how the design is agreed before making.
Duty and tax
The customer pays import duty and tax on international deliveries, which differ by country. These are separate from the price of the ring and any instalments. Delivery is insured and tracked with FedEx.
Frequently asked questions
Can I pay for a bespoke ring in instalments?
Please ask us at the start. We explain in writing what is possible for your design.
Do you take a deposit?
Many bespoke pieces are paid in stages, and we set out our terms in writing before you order.
When is the ring made?
Nothing is made until you approve the design in writing.
Who pays import duty?
The customer pays import duty and tax.