Jewelry & Watch: Pay Later and Financing at 119 Stores

Engagement rings, fine jewelry and luxury watches. These jewelers let you pay over time, and some offer 0% APR.

  • 119 stores confirmed
  • 8 with a 0% APR offer
  • Checked Nov 14, 2026

Stores where you can pay over time

Each store was checked on its own website. Pick a store for its terms, a payment example and when we checked.

All stores 137 stores

  • 6 ICE

    Pay later

    Jewelry & watches

    Sells iced-out moissanite chains, pendants and bracelets.

    Shop Pay Installments · Cash App Afterpay · Sezzle

    Checked Nov 11, 2026

    Visit 6 ICE
  • Abunda

    Both

    Department stores & marketplaces

    Sells millions of products, including items from Amazon, with pay-later plans at checkout.

    Cash App Afterpay · PayPal Pay Later · Acima

    Checked Nov 10, 2026

    Visit Abunda
  • Adina Eden

    Pay later

    Jewelry & watches

    Fashion and fine jewelry: bracelets, necklaces, earrings and charms.

    Affirm · Shop Pay Installments · Cash App Afterpay

    Checked Nov 10, 2026

    Visit Adina Eden
  • Jewelry & watches

    Sells engagement rings, fine jewelry and luxury watches from Indiana showrooms and online.

    Shop Pay Installments · Acima

  • Alex and Ani

    Pay later

    Jewelry & watches

    Sells charm bangles, bracelets, necklaces, earrings and rings with symbolic designs.

    Klarna · Shop Pay Installments · Cash App Afterpay

    Checked Nov 10, 2026

    Visit Alex and Ani
  • Allurez

    Pay later

    Jewelry & watches

    Sells custom engagement rings, wedding bands, diamond and gemstone jewelry online.

    Klarna · Affirm · Shop Pay Installments +1

    Checked Nov 12, 2026

    Visit Allurez
  • Amazon

    Pay later

    Department stores & marketplaces

    The largest US online marketplace, selling nearly everything from electronics and home goods to groceries, with fast Prime shipping.

    Affirm · Synchrony Pay Later · Amazon Monthly Payments +1HSA/FSA

    Checked Nov 14, 2026

    Visit Amazon
  • Angara

    Pay later

    Jewelry & watches

    Online jeweler known for colored gemstone, diamond and pearl rings, earrings and pendants.

    Affirm

    Checked Nov 10, 2026

    Visit Angara
  • Jewelry & watches

    Sells vintage, antique and estate jewelry, engagement rings and reproduction styles online since 2001.

    Klarna

    Checked Nov 10, 2026

    Visit Antique Jewelry Mall
  • Aquamarise

    Pay later

    Jewelry & watches

    Handcrafts fantasy-inspired engagement rings and gemstone jewelry featuring moss agate, moonstone, alexandrite and more.

    Klarna · Affirm · Shop Pay Installments

    Checked Nov 10, 2026

    Visit Aquamarise
  • ARGENTO VIVO

    Pay later

    Jewelry & watches

    Sells sterling silver and gold-plated earrings, rings and necklaces.

    Shop Pay Installments · Cash App Afterpay

    Checked Nov 11, 2026

    Visit ARGENTO VIVO
  • Ask and Embla

    Pay later

    Jewelry & watches

    Sells alternative jewelry, rings, clickers and charms.

    Shop Pay Installments · Cash App Afterpay · Sezzle

    Checked Nov 11, 2026

    Visit Ask and Embla
  • Aurate

    Pay later

    Jewelry & watches

    New York brand selling sustainable solid gold and vermeil fine jewelry.

    Klarna

    Checked Nov 10, 2026

    Visit Aurate
  • Autodromo

    Pay later

    Jewelry & watches

    Motoring-inspired watches plus driving gloves and accessories for car enthusiasts.

    Shop Pay Installments

    Checked Nov 10, 2026

    Visit Autodromo
  • Jewelry & watches

    Sells gold jewelry, piercings and fashion jewelry online and in mall kiosks.

    Progressive Leasing

  • BaubleBar

    Pay later

    Jewelry & watches

    Trend-driven fashion and demi-fine jewelry: earrings, necklaces, bracelets and personalized pieces.

    Shop Pay Installments

    Checked Nov 10, 2026

    Visit BaubleBar
  • Bayam Jewelry

    Lease to own

    Jewelry & watches

    Sells real 10K and 14K gold chains, bracelets and pendants.

    Progressive Leasing · Katapult · Snap Finance

    Checked Nov 11, 2026

    Visit Bayam Jewelry
  • Department stores & marketplaces

    New York luxury department store selling designer clothing, handbags, shoes, fine jewelry and beauty online.

    Affirm

    Checked Nov 10, 2026

    Visit Bergdorf Goodman
  • Jewelry & watches

    Online jeweler selling engagement rings, wedding bands and fine diamond jewelry.

    Affirm · Shop Pay Installments · Katapult

    Checked Nov 10, 2026

    Visit Beverly Diamonds
  • Department stores & marketplaces

    Upscale department store selling designer clothing, handbags, beauty and home goods online and in its US stores.

    Klarna

    Checked Nov 10, 2026

    Visit Bloomingdale's
  • Blue Nile

    Pay later

    Jewelry & watches

    Online jeweler selling diamonds, engagement rings, wedding bands and fine jewelry.

    Affirm · Splitit

    Checked Nov 11, 2026

    Visit Blue Nile
  • Jewelry & watches

    Sells diamond engagement rings, wedding bands and fine jewelry online.

    Affirm · Shop Pay Installments · Acima

    Checked Nov 11, 2026

    Visit BlueHira
  • Bob's Watches

    Pay later

    Jewelry & watches

    Buys and sells authenticated pre-owned luxury watches, especially Rolex, Omega and Cartier.

    Klarna

    Checked Nov 10, 2026

    Visit Bob's Watches
  • Bohemi

    Pay later

    Jewelry & watches

    Alternative engagement rings and handmade gemstone jewelry from Boulder.

    Affirm · Shop Pay Installments

    Checked Nov 10, 2026

    Visit Bohemi
  • Boscov's

    Pay later

    Department stores & marketplaces

    Family-owned department store chain selling clothing, home goods, furniture, appliances and gifts.

    Affirm

    Checked Nov 10, 2026

    Visit Boscov's
  • Jewelry & watches

    Jeweler selling ethically sourced and lab-grown diamond engagement rings, wedding bands and fine jewelry.

    Affirm

    Checked Nov 10, 2026

    Visit Brilliant Earth
  • Catbird

    Pay later

    Jewelry & watches

    Brooklyn jeweler selling solid gold fine jewelry, engagement rings and its Forever Bracelet.

    Klarna

    Checked Nov 10, 2026

    Visit Catbird
  • Jewelry & watches

    Maker of moissanite and lab-grown diamond engagement rings and fine jewelry.

    Affirm

    Checked Nov 10, 2026

    Visit Charles & Colvard
  • Jewelry & watches

    Makes British-designed, Swiss-made watches, straps and watch accessories.

    PayPal Pay Later

    Checked Nov 10, 2026

    Visit Christopher Ward
  • Jewelry & watches

    Lab-grown diamond jeweler selling engagement rings, wedding bands and fine jewelry.

    Affirm · Katapult

    Checked Nov 10, 2026

    Visit Clean Origin
  • Costco

    Pay later

    Department stores & marketplaces

    Membership warehouse club selling groceries, electronics, appliances, furniture and more in bulk at low prices.

    Affirm

    Checked Nov 10, 2026

    Visit Costco
  • CRAFTD

    Pay later

    Jewelry & watches

    Sells men's pendants, chains, bracelets and rings.

    Sezzle

    Checked Nov 11, 2026

    Visit CRAFTD
  • Crystal Jewelers

    Lease to own

    Jewelry & watches

    Sells diamonds, fine jewelry and pre-owned watches from Greensboro, North Carolina.

    Acima

    Checked Nov 10, 2026

    Visit Crystal Jewelers
  • David Yurman

    Pay later

    Jewelry & watches

    Fine jewelry designer known for cable bracelets, rings and necklaces in silver and gold.

    Affirm

    Checked Nov 10, 2026

    Visit David Yurman
  • Jewelry & watches

    Diamond and engagement ring retailer with showrooms and online fine jewelry.

    Affirm

    Checked Nov 10, 2026

    Visit Diamonds Direct
  • Do Amore

    Pay later

    Jewelry & watches

    Online jeweler selling ethically sourced and lab-grown diamond engagement rings.

    Affirm

    Checked Nov 10, 2026

    Visit Do Amore
  • DORADO

    Pay later

    Jewelry & watches

    Sells waterproof gold necklaces, bracelets and earrings.

    Klarna · Shop Pay Installments · Cash App Afterpay +1

    Checked Nov 11, 2026

    Visit DORADO
  • Jewelry & watches

    Sells custom moissanite and lab-grown engagement rings, wedding bands and fine jewelry crafted in Orange County.

    Bread Pay

    Checked Nov 9, 2026

    Visit East West Gem Co.
  • eBay

    Pay later

    Department stores & marketplaces

    Online marketplace for new, used and collectible items, from sneakers and watches to electronics and car parts.

    Klarna

    Checked Nov 10, 2026

    Visit eBay
  • Jewelry & watches

    Sells pre-owned luxury watches and diamond jewelry from New York's Diamond District.

    Affirm · Cash App Afterpay · Acima

    Checked Nov 10, 2026

    Visit ECI Jewelers
  • Energy Muse

    Pay later

    Jewelry & watches

    Sells healing crystals, crystal jewelry and energy tools.

    Shop Pay Installments · Cash App Afterpay

    Checked Nov 11, 2026

    Visit Energy Muse
  • EraGem

    Pay later

    Jewelry & watches

    Sells vintage, estate and new fine jewelry, especially engagement rings, from a Bellevue, Washington showroom.

    Bread Pay

    Checked Nov 9, 2026

    Visit EraGem
  • Etsy

    Pay later

    Department stores & marketplaces

    Online marketplace for handmade, vintage and custom goods from independent sellers, from jewelry to furniture.

    Klarna

    Checked Nov 10, 2026

    Visit Etsy
  • Jewelry & watches

    Sells solid gold and sterling silver jewelry at factory-direct prices.

    Klarna · Affirm · Cash App Afterpay +2

    Checked Nov 12, 2026

    Visit Factory Direct Jewelry
  • Fossil

    Pay later

    Jewelry & watches

    Sells Fossil watches, smartwatches, jewelry, bags and leather goods.

    Klarna

    Checked Nov 10, 2026

    Visit Fossil
  • Jewelry & watches

    Sells lab-grown diamond engagement rings, loose diamonds and fine jewelry.

    Klarna · Affirm

    Checked Nov 10, 2026

    Visit Friendly Diamonds
  • Jewelry & watches

    Hip-hop style gold chains, diamond jewelry and luxury watches.

    Affirm · Shop Pay Installments · Cash App Afterpay +2

    Checked Nov 10, 2026

    Visit Frost NYC
  • GLDN

    Pay later

    Jewelry & watches

    Personalized solid gold and sterling silver jewelry.

    Shop Pay Installments

    Checked Nov 10, 2026

    Visit GLDN
  • Gold District

    Lease to own

    Jewelry & watches

    Sells gold chains, rings, pendants and earrings online.

    American First Finance

    Checked Nov 11, 2026

    Visit Gold District
  • Gorjana

    Pay later

    Jewelry & watches

    California brand selling layering necklaces, bracelets, earrings and solid gold jewelry.

    Klarna · Affirm · Shop Pay Installments +1

    Checked Nov 10, 2026

    Visit Gorjana
  • Jewelry & watches

    Lab-grown diamond jeweler selling engagement rings, earrings and bracelets.

    Affirm · Katapult

    Checked Nov 10, 2026

    Visit Grown Brilliance
  • Harlembling

    Pay later

    Jewelry & watches

    Sells men's moissanite and diamond hip hop jewelry.

    Shop Pay Installments · Cash App Afterpay · Sezzle

    Checked Nov 11, 2026

    Visit Harlembling
  • Jewelry & watches

    Sells engagement rings, diamonds, watches and fine jewelry online and in store.

    Kafene

    Checked Nov 11, 2026

    Visit Harry Ritchie's Jewelers
  • Jewelry & watches

    US jeweler selling engagement rings, wedding bands and diamond jewelry.

    Klarna · Affirm · Cash App Afterpay +1

    Checked Nov 10, 2026

    Visit Helzberg Diamonds
  • Jewelry & watches

    Diamond jewelry, gold chains, engagement rings and luxury watches from Atlanta.

    Shop Pay Installments

  • Jewelry & watches

    Sells men's chains, pendants and jewelry.

    Klarna · Affirm · Shop Pay Installments +2

    Checked Nov 11, 2026

    Visit Imperium Jewelry
  • Jewelry & watches

    Official Invicta store selling watches and accessories at discount prices.

    Klarna · Shop Pay Installments · Acima

    Checked Nov 10, 2026

    Visit Invicta
  • Jewelry & watches

    Sells real gold and diamond jewelry, chains, watches and engagement rings.

    Affirm · PayPal Pay Later · Acima

    Checked Nov 10, 2026

    Visit ItsHot.com
  • Jack Mason

    Pay later

    Jewelry & watches

    Makes watches and watch straps designed in Texas.

    Shop Pay Installments · Zip

    Checked Nov 11, 2026

    Visit Jack Mason
  • Jared

    Both

    Jewelry & watches

    Jewelry store chain specializing in engagement rings, diamond jewelry and watches.

    Affirm · Progressive Leasing

    Checked Nov 10, 2026

    Visit Jared
  • Jewelry Unlimited

    Lease to own

    Jewelry & watches

    Sells diamond rings, pendants, bracelets and luxury watches online.

    Acima

    Checked Nov 10, 2026

    Visit Jewelry Unlimited
  • John Hardy

    Pay later

    Jewelry & watches

    Handcrafted Balinese-inspired fine jewelry in silver and gold, including the Classic Chain collection.

    Affirm · Shop Pay Installments

    Checked Nov 10, 2026

    Visit John Hardy
  • Jomashop

    Pay later

    Jewelry & watches

    Online discount retailer of luxury watches, handbags, sunglasses and fragrances.

    Affirm

    Checked Nov 10, 2026

    Visit Jomashop
  • Jostens

    Pay later

    Jewelry & watches

    Makes class rings, yearbooks, graduation products and letterman jackets.

    Cash App Afterpay

    Checked Nov 10, 2026

    Visit Jostens
  • Jewelry & watches

    Sells symbolic bracelets, necklaces and home decor.

    Klarna · Shop Pay Installments · Cash App Afterpay

    Checked Nov 11, 2026

    Visit Karma and Luck
  • Jewelry & watches

    US mall jeweler selling engagement rings, diamond jewelry and watches online and in stores.

    Affirm · Progressive Leasing

    Checked Nov 10, 2026

    Visit Kay Jewelers
  • Kendra Scott

    Pay later

    Jewelry & watches

    Sells fashion and fine jewelry, charms, personalized gifts and watches.

    Klarna · Affirm · Cash App Afterpay

    Checked Nov 10, 2026

    Visit Kendra Scott
  • King Ice

    Pay later

    Jewelry & watches

    Hip-hop jewelry: Cuban link chains, iced-out pendants and grillz.

    Shop Pay Installments

    Checked Nov 10, 2026

    Visit King Ice
  • Kinn

    Pay later

    Jewelry & watches

    Fine jewelry brand selling solid gold necklaces, earrings and rings made in LA.

    Affirm · Shop Pay Installments

    Checked Nov 10, 2026

    Visit Kinn
  • Kirk Kara

    Pay later

    Jewelry & watches

    Los Angeles jewelry designer of handcrafted engagement rings and wedding bands.

    Affirm · Shop Pay Installments

    Checked Nov 10, 2026

    Visit Kirk Kara
  • Kohl's

    Pay later

    Department stores & marketplaces

    Department store chain selling apparel, shoes, home goods and beauty at discount prices online and in stores.

    Klarna · PayPal Pay Later

    Checked Nov 10, 2026

    Visit Kohl's
  • LAGOS

    Pay later

    Jewelry & watches

    Fine jewelry known for its Caviar beading in sterling silver and 18K gold.

    Affirm · Shop Pay Installments

    Checked Nov 10, 2026

    Visit LAGOS
  • Lirys Jewelry

    Pay later

    Jewelry & watches

    Tampa jeweler selling handmade gold and silver chains, Cuban links, bracelets and rings.

    Klarna · Affirm · Shop Pay Installments +1

    Checked Nov 10, 2026

    Visit Lirys Jewelry
  • Jewelry & watches

    Sells luxury watches and fine jewelry online, with pickup at its stores in the Caribbean and US Virgin Islands.

    Bread Pay

    Checked Nov 9, 2026

    Visit Little Switzerland
  • Jewelry & watches

    Makes beaded word bracelets and charms.

    Shop Pay Installments · Cash App Afterpay

    Checked Nov 11, 2026

    Visit Little Words Project
  • Jewelry & watches

    Sells certified lab-grown diamonds, engagement rings and fine jewelry.

    Klarna · Affirm · Splitit +1

    Checked Nov 11, 2026

    Visit Loose Grown Diamond
  • Lorier

    Pay later

    Jewelry & watches

    Vintage-inspired automatic dive and field watches.

    Shop Pay Installments

    Checked Nov 10, 2026

    Visit Lorier
  • Jewelry & watches

    Sells custom fine jewelry, engagement rings and its own jewelry line from a Boston boutique.

    Bread Pay

    Checked Nov 9, 2026

    Visit M. Flynn Jewelry
  • Macy's

    Pay later

    Department stores & marketplaces

    Department store chain selling clothing, shoes, beauty, jewelry and home goods online and in stores nationwide.

    Klarna

    Checked Nov 10, 2026

    Visit Macy's
  • Jewelry & watches

    Sells engagement rings, fine jewelry and watches.

    Shop Pay Installments · PayPal Pay Later · Acima

    Checked Nov 11, 2026

    Visit Mark's Jewelers
  • Jewelry & watches

    Sells necklaces, bracelets and jewelry sets.

    Shop Pay Installments · Cash App Afterpay

    Checked Nov 11, 2026

    Visit Mason & Madison
  • Jewelry & watches

    Hawaiian heirloom jewelry, pearls and black coral pieces.

    Shop Pay Installments

    Checked Nov 10, 2026

    Visit Maui Divers Jewelry
  • Mayors

    Pay later

    Jewelry & watches

    Luxury jeweler selling Swiss watches, diamonds, engagement rings and fine jewelry.

    Affirm · PayPal Pay Later

    Checked Nov 10, 2026

    Visit Mayors
  • Mejuri

    Pay later

    Jewelry & watches

    Sells everyday fine jewelry in solid gold, sterling silver and diamonds.

    Klarna · Cash App Afterpay

    Checked Nov 10, 2026

    Visit Mejuri
  • Melanie Casey

    Pay later

    Jewelry & watches

    Sells handcrafted engagement rings, wedding bands and delicate fine jewelry.

    Bread Pay

    Checked Nov 9, 2026

    Visit Melanie Casey
  • Melinda Maria

    Pay later

    Jewelry & watches

    Makes handcrafted fashion jewelry, including necklaces, earrings and rings.

    Shop Pay Installments · Cash App Afterpay

    Checked Nov 11, 2026

    Visit Melinda Maria
  • MiaDonna

    Pay later

    Jewelry & watches

    Sells lab-grown diamond engagement rings, wedding bands, loose diamonds and fine jewelry.

    Bread Pay · Affirm · Shop Pay Installments

    Checked Nov 10, 2026

    Visit MiaDonna
  • Jewelry & watches

    Personalized name and initial jewelry handcrafted to order.

    Shop Pay Installments

    Checked Nov 10, 2026

    Visit Mignon & Mignon
  • MindfulSouls

    Pay later

    Jewelry & watches

    Sells healing crystals, crystal jewelry and a crystal subscription box.

    Sezzle

    Checked Nov 11, 2026

    Visit MindfulSouls
  • MJ Diamonds

    Lease to own

    Jewelry & watches

    Sells diamond jewelry and engagement rings from Michigan stores.

    Progressive Leasing · Snap Finance

    Checked Nov 10, 2026

    Visit MJ Diamonds
  • Movado

    Pay later

    Jewelry & watches

    Watch brand selling Movado Museum dial and modern watches for men and women.

    Affirm

    Checked Nov 10, 2026

    Visit Movado
  • Nadri

    Pay later

    Jewelry & watches

    Sells sterling silver, cubic zirconia and gemstone jewelry.

    Shop Pay Installments · Cash App Afterpay

    Checked Nov 11, 2026

    Visit Nadri
  • Neiman Marcus

    Pay later

    Department stores & marketplaces

    Luxury department store offering designer fashion, handbags, shoes, jewelry and beauty from top fashion houses.

    Affirm

    Checked Nov 10, 2026

    Visit Neiman Marcus
  • Nialaya

    Pay later

    Jewelry & watches

    Beaded bracelets and luxury designer jewelry for men and women.

    Klarna · Shop Pay Installments

    Checked Nov 10, 2026

    Visit Nialaya
  • Nixon

    Pay later

    Jewelry & watches

    Watches, smartwatch-style timepieces and accessories with a surf-skate heritage.

    Shop Pay Installments · Cash App Afterpay

    Checked Nov 10, 2026

    Visit Nixon
  • Nordstrom

    Pay later

    Department stores & marketplaces

    Upscale US department store for designer and everyday clothing, shoes, beauty and home goods.

    Affirm · Cash App Afterpay

    Checked Nov 10, 2026

    Visit Nordstrom
  • Oak & Luna

    Pay later

    Jewelry & watches

    Sells personalized name necklaces, bracelets, rings and custom jewelry.

    Klarna

    Checked Nov 10, 2026

    Visit Oak & Luna
  • Jewelry & watches

    Sells Orient Japanese mechanical watches and watch straps.

    Affirm · Shop Pay Installments · Cash App Afterpay

    Checked Nov 10, 2026

    Visit Orient Watch USA
  • Jewelry & watches

    Watches made with reclaimed wood, whiskey barrels and steel.

    Shop Pay Installments

    Checked Nov 10, 2026

    Visit Original Grain
  • Jewelry & watches

    Sells gold and diamond hip hop jewelry from New York.

    Affirm · Shop Pay Installments · Cash App Afterpay +1

    Checked Nov 11, 2026

    Visit Oscar Stone NYC
  • Pandora

    Pay later

    Jewelry & watches

    Sells Pandora charm bracelets, charms, rings, necklaces and lab-grown diamond jewelry.

    Klarna

    Checked Nov 10, 2026

    Visit Pandora
  • Perpay

    Pay later

    Department stores & marketplaces

    Marketplace selling electronics, home goods and clothing from brands like Apple and KitchenAid, paid back from your paycheck.

    Perpay

    Checked Nov 13, 2026

    Visit Perpay
  • Jewelry & watches

    Sells diamond engagement rings, wedding bands and fine jewelry.

    Klarna · Affirm · Katapult

    Checked Nov 10, 2026

    Visit Pompeii3
  • Pura Vida

    Pay later

    Jewelry & watches

    Sells string bracelets, demi-fine jewelry, anklets and accessories.

    Shop Pay Installments · Cash App Afterpay

    Checked Nov 11, 2026

    Visit Pura Vida
  • Jewelry & watches

    Marketplace for natural and lab-grown diamonds and engagement rings.

    Klarna · Affirm · Cash App Afterpay +1

    Checked Nov 12, 2026

    Visit Rare Carat
  • Jewelry & watches

    Sells engagement rings, diamonds, fine jewelry and watches.

    Affirm · Cash App Afterpay · Synchrony credit card +1

    Checked Nov 14, 2026

    Visit REEDS Jewelers
  • Jewelry & watches

    New York jewelry brand known for engagement rings and everyday fine jewelry.

    Affirm · Shop Pay Installments · Cash App Afterpay

    Checked Nov 10, 2026

    Visit Ring Concierge
  • Ritani

    Pay later

    Jewelry & watches

    Sells engagement rings, loose diamonds, wedding bands and fine jewelry.

    Klarna

    Checked Nov 10, 2026

    Visit Ritani
  • Jewelry & watches

    Sells diamonds, engagement rings and fashion jewelry from Memphis, Tennessee.

    Shop Pay Installments · Progressive Leasing · Acima

    Checked Nov 11, 2026

    Visit Robert Irwin Jewelers
  • Jewelry & watches

    US jeweler selling engagement rings, diamonds, fine jewelry and watches.

    Klarna · Progressive Leasing

    Checked Nov 10, 2026

    Visit Rogers & Hollands
  • Ross-Simons

    Pay later

    Jewelry & watches

    Jewelry retailer selling fine and fashion jewelry, diamonds, gemstones and gifts.

    Affirm

    Checked Nov 10, 2026

    Visit Ross-Simons
  • Jewelry & watches

    Sells colorful necklaces, bracelets and earrings.

    Zip

    Checked Nov 11, 2026

    Visit Roxanne Assoulin
  • Jewelry & watches

    Sells engagement rings, diamond jewelry, gold chains and watches, family-run since 1979.

    Affirm · Shop Pay Installments · PayPal Pay Later +1

    Checked Nov 11, 2026

    Visit Saad Fine Jewelers
  • Department stores & marketplaces

    Luxury department store selling designer fashion, handbags, shoes, jewelry and beauty online and in flagship stores.

    Klarna

    Checked Nov 10, 2026

    Visit Saks Fifth Avenue
  • Sam's Club

    Pay later

    Department stores & marketplaces

    Walmart's membership warehouse club, selling groceries, electronics, furniture, tires and household goods in bulk.

    Affirm · Synchrony credit card

    Checked Nov 14, 2026

    Visit Sam's Club
  • Shinola

    Pay later

    Jewelry & watches

    Detroit brand making watches, leather goods, audio and jewelry.

    Affirm · Shop Pay Installments

    Checked Nov 10, 2026

    Visit Shinola
  • Shop Simon

    Pay later

    Department stores & marketplaces

    Sells discounted designer fashion, shoes, handbags, beauty and home goods from mall and outlet brands.

    Klarna · Shop Pay Installments · Cash App Afterpay

    Checked Nov 10, 2026

    Visit Shop Simon
  • Shylee Rose

    Pay later

    Jewelry & watches

    Handcrafted 14K gold fine jewelry with gemstones and diamonds.

    Affirm · Shop Pay Installments

    Checked Nov 10, 2026

    Visit Shylee Rose
  • Jewelry & watches

    Sells engagement rings, gold chains and fine jewelry.

    Affirm · Shop Pay Installments · PayPal Pay Later +1

    Checked Nov 11, 2026

    Visit Solomon Jewelers
  • Sorrelli

    Pay later

    Jewelry & watches

    Handcrafted crystal and gemstone fashion jewelry.

    Shop Pay Installments · Cash App Afterpay

    Checked Nov 10, 2026

    Visit Sorrelli
  • Jewelry & watches

    Sells engagement rings, diamonds and custom jewelry from Rockford, Illinois.

    Klarna · Shop Pay Installments · Sezzle +1

    Checked Nov 11, 2026

    Visit Soto's Jewelry
  • Sydney Evan

    Pay later

    Jewelry & watches

    Fine gold and diamond jewelry with meaningful charms.

    Affirm · Shop Pay Installments

    Checked Nov 10, 2026

    Visit Sydney Evan
  • Target

    Pay later

    Department stores & marketplaces

    Big-box retailer selling household essentials, groceries, clothing, electronics and home décor online and in stores.

    Klarna · Affirm · PayPal Pay Later

    Checked Nov 10, 2026

    Visit Target
  • Jewelry & watches

    Pre-owned and new luxury watch retailer formerly WatchBox, Govberg and Hyde Park.

    Affirm

    Checked Nov 10, 2026

    Visit The 1916 Company
  • The Clear Cut

    Pay later

    Jewelry & watches

    Online jeweler known for custom diamond engagement rings.

    Affirm · Shop Pay Installments

    Checked Nov 10, 2026

    Visit The Clear Cut
  • The GLD Shop

    Pay later

    Jewelry & watches

    Sells men's gold chains, Cuban links, pendants, bracelets and rings.

    Klarna · Shop Pay Installments · Cash App Afterpay +2

    Checked Nov 11, 2026

    Visit The GLD Shop
  • Tiny Tags

    Pay later

    Jewelry & watches

    Personalized gold and silver jewelry celebrating family and milestones.

    Shop Pay Installments

    Checked Nov 10, 2026

    Visit Tiny Tags
  • Tissot

    Pay later

    Jewelry & watches

    Sells Tissot automatic, quartz and smart watches from the Swiss brand's US store.

    Affirm

    Checked Nov 10, 2026

    Visit Tissot
  • Jewelry & watches

    Sells gold chains, diamond jewelry and watches from New York's Diamond District.

    Affirm · Shop Pay Installments · Cash App Afterpay +1

    Checked Nov 11, 2026

    Visit TraxNYC
  • Jewelry & watches

    Sells matching his-and-hers wedding ring sets and engagement rings.

    Klarna · Affirm · Katapult +1

    Checked Nov 11, 2026

    Visit Trio Rings
  • VVS Jewelry

    Pay later

    Jewelry & watches

    Sells Cuban link chains, custom pendants and iced-out jewelry.

    Sezzle

    Checked Nov 11, 2026

    Visit VVS Jewelry
  • Walmart

    Pay later

    Department stores & marketplaces

    America's largest retailer, selling groceries, electronics, home goods, toys and clothing online and in thousands of stores.

    Klarna

    Checked Nov 10, 2026

    Visit Walmart
  • Jewelry & watches

    Luxury watch retailer selling Rolex, Omega, TAG Heuer, Cartier and other Swiss watches.

    Affirm

    Checked Nov 10, 2026

    Visit Watches of Switzerland
  • Jewelry & watches

    Sells engagement rings, timepieces and designer jewelry from an Augusta, Georgia jewelry store.

    Bread Pay

    Checked Nov 9, 2026

    Visit Windsor Fine Jeweler
  • With Clarity

    Pay later

    Jewelry & watches

    Online jeweler selling lab-grown and natural diamond engagement rings with home try-on.

    Affirm

    Checked Nov 10, 2026

    Visit With Clarity
  • Zales

    Both

    Jewelry & watches

    Jewelry retailer selling diamond engagement rings, wedding bands and fine jewelry.

    Affirm · Progressive Leasing

    Checked Nov 10, 2026

    Visit Zales
  • Zales Outlet

    Lease to own

    Jewelry & watches

    Sells discounted diamond and fine jewelry online and in outlet stores.

    Progressive Leasing

    Checked Nov 10, 2026

    Visit Zales Outlet
Showing 24 of 137

Store offers and minimums are from each store’s website, checked Nov 14, 2026. Offers change and depend on your credit, so confirm at checkout. Know a store we missed? Tell us.

Questions about jewelry & watch financing

Which jewelry & watch stores offer financing?

We have confirmed 119 stores: 6 ICE, Adina Eden, Albert's Diamond Jewelers, Alex and Ani, Allurez, Angara, Antique Jewelry Mall, Aquamarise, ARGENTO VIVO, Ask and Embla, Aurate, Autodromo, Banter by Piercing Pagoda, BaubleBar, Bayam Jewelry, Beverly Diamonds, Blue Nile, BlueHira, Bob's Watches, Bohemi, Brilliant Earth, Catbird, Charles & Colvard, Christopher Ward, Clean Origin, CRAFTD, Crystal Jewelers, David Yurman, Diamonds Direct, Do Amore, DORADO, East West Gem Co., ECI Jewelers, Energy Muse, EraGem, Factory Direct Jewelry, Fossil, Friendly Diamonds, Frost NYC, GLDN, Gold District, Gorjana, Grown Brilliance, Harlembling, Harry Ritchie's Jewelers, Helzberg Diamonds, Icebox Diamonds & Watches, Imperium Jewelry, Invicta, ItsHot.com, Jack Mason, Jared, Jewelry Unlimited, John Hardy, Jomashop, Jostens, Karma and Luck, Kay Jewelers, Kendra Scott, King Ice, Kinn, Kirk Kara, LAGOS, Lirys Jewelry, Little Switzerland, Little Words Project, Loose Grown Diamond, Lorier, M. Flynn Jewelry, Mark's Jewelers, Mason & Madison, Maui Divers Jewelry, Mayors, Mejuri, Melanie Casey, Melinda Maria, MiaDonna, Mignon & Mignon, MindfulSouls, MJ Diamonds, Movado, Nadri, Nialaya, Nixon, Oak & Luna, Orient Watch USA, Original Grain, Oscar Stone NYC, Pandora, Pompeii3, Pura Vida, Rare Carat, REEDS Jewelers, Ring Concierge, Ritani, Robert Irwin Jewelers, Rogers & Hollands, Ross-Simons, Roxanne Assoulin, Saad Fine Jewelers, Shinola, Shylee Rose, Solomon Jewelers, Sorrelli, Soto's Jewelry, Sydney Evan, The 1916 Company, The Clear Cut, The GLD Shop, Tiny Tags, Tissot, TraxNYC, Trio Rings, VVS Jewelry, Watches of Switzerland, Windsor Fine Jeweler, With Clarity, Zales, Zales Outlet. Each one was checked on the store's own website.

Which jewelry & watch stores offer 0% APR?

These stores mention a 0% APR offer on their websites: Brilliant Earth, David Yurman, East West Gem Co., Friendly Diamonds, Grown Brilliance, MiaDonna, Movado, Rare Carat. Whether you get 0% depends on your credit and the plan.

What is the lowest minimum purchase?

Among stores that list a minimum, the lowest are East West Gem Co. ($50), Jared ($150), Kay Jewelers ($150). Many stores accept financing from about $50.

Does checking my rate affect my credit score?

Checking your rate or choosing a short pay-in-4 plan usually means a soft check, which does not affect your score. Longer monthly financing can need a full credit check, and loans may be reported to credit bureaus. Each store page shows the terms for the options it offers.

Meedsy is not a lender and does not make credit decisions. “Visit” links may be affiliate links, and we may earn a commission. That never changes which stores we list or what we say about them. Store names and logos belong to their owners. How we make money