Secure finance for your dream piece of jewellery.
Discover your loan options below.
Stelios Jewellers has teamed up with Achievement Finance to help you secure finance for your dream jewellery.
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Questions?
We are a Mortgage & Finance Broking company located in Subiaco. We have over 22 years industry experience and have helped countless clients over the years with obtaining finance.
We have proudly partnered with Stelios Jewellers to help bring your jewellery dreams to life. Now you can consider purchasing the jewellery of your (or your partners) dreams! Keep reading the FAQs below to understand the finance options available to you.
Personal loans are a form of installment credit. Unlike a credit card, a personal loan delivers a one-time payment of cash to you. Then, you pay back that amount plus interest in regular installments over the lifetime of the loan (known as its term). This is usually between one and seven years.
Financing jewellery may be a suitable option for several reasons:
- Rather than paying upfront, you can keep your available funds for future expenses while paying the cost of the jewellery over time.
- Financing enables you to afford a more luxurious piece of jewellery, than you could of if you paid upfront with cash. Whether it’s a more intricate setting, larger carat weight or higher quality diamonds.
- Financing allows you to manage regular repayments within your budget.
It’s important to note each individual’s financial situation is unique, and decisions regarding financing jewellery should be made after careful consideration of personal circumstances, financial goals. Any actions taken based on the information provided are at the sole discretion and responsibility of the reader.
As a general rule, things to look at when applying for a personal loan are:
- Interest and comparison rates
- Loan term
- Monthly and total cost affordability
- Fees
- Fixed or variable interest rates
- Loan amounts
- Loan features
When you start inputting your data into the AI software, you will be able to compare all of the above (and more) amongst different lenders!
All lenders are unique and they all might seem like they offer the same product which is “personal loans” when in fact, each personal loan lender has its own requirements when it comes to lending.
So how are you supposed to know which one is best for you? You’re not, and that is where we come in to save you from all this confusion!
We utilise world-leading AI that can match you to the best lender in Australia in minutes. And we will always have a member of our team on stand by, should you have any questions or need assistance with the process.
- Applying for the first loan you see
You won’t know if you’re getting the best deal if you apply for the first loan you find. Compare your options first with our AI software and make a shortlist based on your priorities. - High rates and fees
You will be charged interest and you will be charged fees. Look out for both interest rates and comparison rates. The latter will tell you the true cost of the loan and includes both interest and additional fees. Calculate how much you have to pay every month and how much the loan will cost you over its lifetime. Sometimes your monthly payments may be low, but with longer terms, you’ll be paying more interest and fees. This can cost you more in the long run. - Borrowing more than you can afford
Check the cost of the loan and make sure you can afford it. You should be comfortably able to include your repayments in your budget. You should also avoid borrowing more than you need. Aim at buying pieces of jewellery you can reasonably afford. - Long-term repercussions and legal issues
Once you sign a loan agreement, you are bound to its conditions. You will have to pay the loan, and all the fees and payments. Keep in mind that for unsecured personal loans, the lender can initiate legal proceedings against you if you don’t repay the loan. It can also report the debt to a credit reporting body like Equifax and use the services of a debt collector.
Reviewing personal loan options typically involves lenders performing a “soft enquiry” of your credit report, especially during the pre-qualification or comparison stage. Soft inquiries do not affect your credit score. They are only visible to you and do not show up on your credit report when viewed by others.
However, once you decide to apply for a specific personal loan, the lender will usually conduct a “hard enquiry” of your credit report to make a lending decision. Hard inquiries can impact your credit score and are visible to other creditors and lenders. Generally, a single hard inquiry may lower your credit score by a few points temporarily, but the impact is usually minor and diminishes quickly.
We keep applying for a personal loan simple and straightforward.
To apply you must meet the below simple requirements:
- 18 years or over
- Have a steady source of income
- Have an Australian mobile number
- Must be an Australian resident, citizen or on an approved Visa
If you meet the above then you can apply for a personal loan. The application form only takes minutes to complete and you can find your best-suited lender right away.
Apply now by filling out the form above, and get connected to your best match lender instantly.
