up to 48months Interest Free Credit!
Over 2,000 Trustpilot ★★★★★ Star Reviews



At Mr Harold & Son, we want to offer our customers the best possible service. With our incredible collection of diamond and gemstone set jewellery, we are now offering up to 4 years (48 months) interest free credit on our items in store & online, making those precious gifts more affordable than ever before.

We, the retailer, act as a credit broker and not the lender with regards to finance. 

Our customers have a 30 day right to reject fault or damaged goods. We require that you contact us immediately if this occurs.

We require our customers to use the SAME billing and delivery address for any purchase using interest free credit.

We want to give you complete flexibility by offering up to 48 months interest free credit - When you choose your deposit amount (minimum 10%) , you can finance the balance over: 

6 months

9 months

10 months

12 months

18 months

24 months

30 months

36 months

48 months 

Applying for finance couldn't be simpler. In just a few easy steps, you can find out if you are eligible for finance on the jewellery items you love. 


  • Be at least 18 years of age
  • Have been a UK resident for 3 years or more
  • Be able to make repayments by direct debit
  • Be in regular employment (minimum of 16 hours per week) including self-employment, or in permanent residence with your spouse/partner who is in regular employment


During the loan application process you will be asked for your personal information such as name, 3 year address history, date of birth, email and telephone contact details and employment/income information. If you are accepted you will also need a credit or debit card registered to you at your address on the credit application so that the lender can carry out an electronic identity check.


With most applications we expect that you will be give an acceptance or decline decision within 10-20 seconds. In some cases the lender may return the decision as 'referred'. You will then receive an email with further instructions once the underwriters have made a decision. For in store applications you can usually wait in the shop whilst the underwriters review your application. Underwriting hours are between 8am and 8pm, Monday to Friday (excluding Bank Holidays), 9am and 6pm on Saturday, and 10am and 5pm on Sunday. If your application is referred outside of these hours then you may have to wait until the next working day for the decision.


For finance orders made online, we are only able to deliver the goods to the address on your credit agreement (your home address). You will not be able to have the goods shipped to another address or collect the goods from us in person if processed online.


If you wish to return the order then please refer to our returns policy. If we accept your return we will contact the lender to cancel the credit agreement. We may not be able to cancel the finance if the return falls outside of our returns period.


You will be informed on the decision if the lender declines your application, the lender is unable to share the reason for decline with us. Applications are usually declined for reasons such as:

  • you do not meet the eligibility criteria (see above)
  • adverse credit reference agency information
  • your credit score 
  • you are considered to be over committed; or
  • your existing account performance with other lenders

The lender will give the contact details for the credit reference agency used. They will also give you information on how to appeal the decision if you with to discuss the matter. Please note that the lender is unable to discuss this over the telephone due to Data Protection rules. You should also note that each lender applies its own credit score to applicants so if you have been accepted for credit elsewhere this does not necessarily mean that appealing the decision on this basis alone will result in a change of decision. 


Edroyd Limited trading as Mr Harold & Son is registered in England and Wales SC082708. Registered office: 33 Argyll Arcade, Glasgow, G2 8BA. Edroyd limited only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Credit provided subject to age and status.

Secure Trust Bank is registered in England and Wales 541132. Registered office: One Arleston Way, Solihull, B90 4LH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration number: 204550.