JEWELRY FINANCING

Explore the ideal financing solutions for engagement rings, loose diamonds, wedding bands, and fine jewelry.


Financing for Engagement Rings, Wedding Rings & Jewelry
Payment Plans	Up to 24 month with rates as low as 0% APR	No interest if paid in full within 6 month Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period.
Minimum Monthly Payment	Required	Required
	Learn More	Learn More

Financing vs. Layaway: Understanding Your Options

Financing

Financing offers a more immediate solution of buy now and pay later. With this option, you can apply for a credit plan that allows you to use the approved amount toward your purchase. Once approved, you can take your jewelry home right away and make monthly payments to the lender based on the terms of your financing plan. This way, you enjoy your piece now while managing the cost over time. Available to US residents only

Layaway

With our layaway program, you can reserve your desired piece of jewelry by making a series of payments directly to us. You will be able to take the item home only after the full balance has been paid. This option allows you to budget for your purchase over time, but the piece remains with us until the final payment is made. Learn more here about our layaway plans

How does Affirm work?

Website Checkout

Add selected items to your cart (up to $20,000), proceed to checkout, enter your shipping information and select “Affirm- Pay Over Time” under the ‘Payment & Review’ section. Once you complete your billing details, click the ‘Place Order’ button and you will be taken through the steps to get qualified for an Affirm payment plan.

In-Store or Remote Design

Collaborate with our design team to create, or choose the perfect piece. Once we issue an official work order with all the details, including the price, you can conveniently apply for an Affirm plan online, or in-store, to finance your purchase.

Easy monthly payments

Provide basic information to get an instant credit decision. You can choose from multiple monthly repayment plans with starting rates as low as 0% APR for well qualified buyers. Special financing payment plans up to 24-months are available with APR's starting at 0%. With no hidden fees, you'll know the exact loan terms—including APR and monthly payments—before choosing the best plan for you.

Approval

Once you’re approved by Affirm and payment is applied to your order, we will process and ship your order within our standard processing times.**Rates from 0–36% APR. For example, a $800 purchase might cost $72.21/mo over 12 months at 15% APR. Payment options through Affirm are subject to an eligibility check, may not be available everywhere, and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. Estimated payment amount may exclude taxes and shipping. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license. For licenses and disclosures, see affirm.com/licenses.

How does Wells Fargo work?

In-Store or Remote Design

Collaborate with our design team to create or choose the perfect piece. Once we issue an official work order with all the details, including the price, you can conveniently apply for Wells Fargo special financing online, or in-store, to use towards your purchase.

Wells Fargo Jewelry Advantage

Provide basic information to receive a credit decision for 6 months of interest free financing. Minimum monthly payments are required and will be applied directly to your financing balance. If the balance is not paid in full during the promotional period an APR will be applied until the amount is satisified.

Approval

Once you’re approved by Wells Fargo and payment is applied to your order, we will process and ship your order within our standard processing times.

Need More Information?

We are here to assist you every step of the way with any questions you may have and re available by phone during regular business hours at (212) 391-0633 For the quickest answers to your questions, please visit our Frequently Asked Questions or see below

Shipping