Flexible Payments

Shopping for diamond jewelry should be a joyous and exciting experience, not a stressful one. To make your dream purchase more accessible, we’ve partnered with PayPal and Partial.ly to offer you a variety of flexible payment solutions.

Whether you’re planning a significant purchase like an engagement ring or a timeless anniversary gift, you can now manage your budget with ease. Choose from PayPal Credit for financing over 24 months, PayPal Pay in 3 for interest-free payments spread over three installments, or explore our no-credit-check options with Partial.ly. These flexible plans give you the freedom to choose a payment schedule that fits your needs—including options that avoid traditional credit searches—so you can focus on finding the perfect piece of jewelry that will be cherished forever.

Flexible Payment Options at Checkout

We’ve partnered with PayPal to make your dream jewelry more accessible. Choose the option that best fits your budget at checkout.

1. PayPal Pay in 3

Spread the cost of your sparkle, interest-free.

Best for: Purchases between £30 and £2,000.

How it works: Your purchase is split into three equal payments. The first is taken at checkout, followed by two automatic monthly installments.

Cost: 0% Interest and no set-up or late fees.

Speed: Get an instant decision at checkout without affecting your credit score (uses a “soft” check).

2. PayPal Credit

Greater flexibility for significant investments.

Best for: High-value engagement rings or bespoke pieces over £99.

0% Interest Offer: Enjoy 0% interest for 4 months on every purchase over £99.

Flexibility: Beyond the first 4 months, you can choose to pay off the balance or continue with monthly installments (subject to interest).

Credit Limit: A digital credit line that you can reuse for future Midnight Diamonds purchases.

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No Credit Checks, No Barriers

Unlike traditional finance, Partial.ly does not require a hard credit search. Your approval is based on your plan setup, making it the perfect option for those who want to avoid traditional credit applications.

  • No Credit Check: Shop with confidence knowing your credit score won’t be impacted or scrutinized.

  • Flexible Down Payments: Pay a portion upfront and spread the remaining balance over a schedule that suits your lifestyle.

  • Simple Automation: Once your plan is active, your installments are collected automatically from your chosen card.

  • Transparent Terms: A one-time administrative checkout fee applies, ensuring your plan is set up and managed securely without hidden interest spikes.

How It Works:

  • Select at Checkout: Choose Partial.ly as your payment method when you’re ready to purchase.

  • Customise Your Plan: Choose your down payment amount and how many weeks or months you’d like to spread the balance over.

  • Quick Setup: Complete the simple checkout process (including the admin fee) and agree to the terms.

  • Secure Your Sparkle: Once your plan is active, we’ll process your order so you can get closer to owning your dream diamond.

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Diamond Clarity

Clarity reflects the purity of a diamond or the inclusions and blemishes in a diamond. The inclusions and blemishes impact a diamond’s ability to let in light and reflect its brilliance. Inclusions are interior irregularities and blemishes are exterior irregularities. These imperfections are not flaws, but rather the natural fingerprint of every diamond. Often, we can see these only under a powerful microscope or jeweler’s loupe, and they do not visibly affect the appearance or beauty of a diamond. Large inclusions can affect the scintillation of a diamond considerably be absorbing the light passing through. Some inclusions are coloured too, the most common one being “Nats”- a black inclusion, which is considerably big, and can be easily spotted by the naked eye. The larger or more numerous the inclusions the less valuable the diamond.

Internationally, diamonds are graded by labs according to the following grades:

  • FL Flawless: These diamonds are completely clean and have no inclusions or blemishes detectable under 10x magnification. They are extremely rare and expensive.
  • IF Internally Flawless: These diamonds have no detectable inclusions but may have some surface blemishes under 10x magnification. They are very rare and very valuable.
  • VVS1/VVS2 Very Very Slightly Included: Inclusions and blemishes are extremely difficult for even a skilled gemologist to detect under 10x magnification, usually visible only under a powerful microscope.
  • VS1/VS2 Very Slightly Included: Inclusions and blemishes are detectable under 10x magnification, but are minor flaws that do not impact the diamond’s beauty and are totally invisible to the naked eye.
  • SI1/SI2 Slightly Included: Inclusions and blemishes are easily noticeable under 10x magnification and may also be visible to the naked eye.
  • I1, I2, I3 Included: Inclusions and blemishes are obvious under 10x magnification and typically visible to the naked eye. These flaws may negatively impact the transparency and or brilliance of the diamond.