Jewelry financing online brings convenience as you can comfortably buy the jewelry and pay for it later with no upfront cost burden.
Paying upfront for jewelry at times could mean not handling other things because of your budget hence, an alternative to financing your purchase becomes a necessity.
There are hundreds of online stores where you can get your favorite jewelry on a payment plan. Doing so without any hard pull to your credit score makes this option a good alternative especially if you have a bad credit history.
Best jewelry financing online stores
Here below are the online stores where you can buy now and pay later for jewelry:
Abunda
Pay with
Klarna, PayPal, ViaBill, Acima
Tip: you can buy jewelry on Amazon and pay later through Abunda by using the accounts you have with Klarna, ViaBill, PayPal, and Acima.
POPULAR CATEGORIES
Engagement Rings
Wedding Rings
All Jewelry
Abunda provides a gateway that allows for jewelry financing on Amazon by scheduling repayment using Klarna, PayPal, ViaBill, and Acima Leasing.
If you have seen a product on Amazon and could not buy it for your budget or the split payment provider that you use is not supported for the order checkout then, Abunda is the option that works amazing for conveniently buying on Amazon to pay later.
To start your jewelry financing using Abunda, you can find the product directly using its search field but nonetheless, you can always bring the product seen on Amazon to Abunda.
If you know the jewelry you want to buy, simply copy the Amazon link and paste it into the Abunda search field and submit. Within seconds, the Amazon product will be pulled in and you can then order the jewelry on a payment plan.
The product is entirely an Amazon product hence, your order will be received from Amazon and shipped to your location.
Jewelry financing on Abunda is through its payment partners hence, you will need to authorize the purchase at the checkout by using any account provided by PayPal, Klarna, and ViaBill.
Alternatively, you can choose the leasing option by selecting Acima when you are completing your order request.
Amazon
Pay with
Abunda, Affirm, PayPal, and more
Tip: Amazon is one name that every jewelry lover wants to see when it comes to purchasing products. You can buy jewelry on a payment plan on Amazon through different channels including Abunda, Affirm, and more.
AMAZON JEWELRY FINANCING OPTIONS
Abunda
PayPal
Lease to Own
Amazon probably has the world’s largest inventory and when it comes to shopping online, you can almost find any product you want on its portal.
For its popularity and inventory size, many payment plan providers that support Amazon shopping have different offerings and methods when it comes to jewelry financing.
Abunda is our top pick when it comes to financing products on Amazon for its easiness to use. You can copy any Amazon product link and take it to the Abunda portal and within seconds, you will be able to order the item on a payment plan using Klarna, PayPal, ViaBill, and Acima Leasing.
Amazon has monthly payment plans on some products but it might not work for you hence, opting for one of the alternatives provided by split providers could be the best thing to do when it comes to jewelry financing.
Though there are many platforms that allow you to buy now and pay later on Amazon, most of these handle the shopping experience through their apps and virtual cards but for its direct BNPL purchase, it directly supports the use of Affirm when checking out.
In case you want the Amazon jewelry financing option that comes with a rent-to-own term, you might want to consider the use of Abunda as it allows shopping on Amazon and checking out on lease-to-own terms using your Acima account.
Kay Jewelers
Pay with
Affirm, Progressive, Own Card
Tip: Kay Jewelers is one of the popular jewelry retailers and through Afterpay, Progressive, and its credit card, you can get jewelry on a payment plan from its inventory.
POPULAR CATEGORIES
Engagement Rings
Wedding Rings
All Jewelry
When it comes to the list of jewelry financing stores, Kay Jewelers is one of the names that cannot be omitted. Thanks to its large collection of items.
This retailer is well known for its great inventory that includes products from popular brands in the jewelry industry including different kinds of gold, diamond, stainless steel, and tungsten items.
Among Kay Jewelers’ financing options, its credit card is a popular choice among shoppers that wants to finance their jewelry purchase through this retailer.
The store credit card offers a credit line starting from $300 (minimum purchase amount) up to a maximum of $3,000. interestingly, this comes at no interest if you pay it back in full within the tenor window which starts from 6 months up to 18 months depending on the total value of the items bought.
If the credit card jewelry financing option is not a choice you care for, you can opt for its buy now and pay later service which is offered through its integration with Affirm.
When financing your jewelry purchase on Kay Jewelers with Affirm, your cart total must be worth at least $400 before you will be allowed to use that option. This option does not charge any interest if paid back within three months.
The other alternative to the above jewelry payment plan options provided by Kay Jewelers is that which allows you to lease to own the items.
With this, you will need to have an account with Progressive, its leasing partner before you can finance your purchase through this provider.
Zales
Pay with
Affirm, Progressive, Own Card
Tip: Zales is another popular online store with different jewelry financing options that include Affirm, Progressive, and its own store credit card.
POPULAR CATEGORIES
Engagement Rings
Wedding Rings
All Jewelry
This brand has been in existence since the 90s dealing in the jewelry retailing business and with the number of positive reviews, getting products from Zales is a good option.
Like every retail brand, Zales has an inventory of products from many manufacturers including different kinds of jewelry for engagements, weddings, and casual wear.
When it comes to its financing option for jewelry, it has different methods depending on which you prefer with the top recommended being its own store credit card.
To use its credit card, your cart total must be worth a minimum of $300 which is repayable between six to a maximum of 36 months.
If your cart’s total value is less than $300, your might want to consider the Affirm jewelry financing option which has a minimum condition of $150. Since Affirm operates as a buy now, pay later service platform, going with this option means that you might be required to repay back within a shorter time compared to using its credit card.
The other way you can buy jewelry from Zales on a payment plan is through the use of Progressive Leasing. This provider allows financing jewelry on lease-to-own terms
Jared
Pay with
Affirm, Progressive, Own Card
Tip: Jared allows jewelry financing through Affirm which provides the buy now, pay later option. It also has a store credit card and through Progressive, you can lease to own its products.
POPULAR CATEGORIES
Engagement & Wedding
Watches
All Jewelry
Jared is another good choice from this list of online stores where you can purchase jewelry on a payment plan.
This retailer has nice collections from different brands, including an amazing inventory of rings, watches, necklaces, and more.
In terms of its jewelry financing options, Jared has common channels with most of the retailers on this list as it also has its own store credit card, support BNPL with Affirm, and lease to own through Progressive Leasing.
With its store credit card, you can access a credit line from $300 up to $5,000 which after use, must be repaid within a maximum of 48 months.
The Progressive Leasing option has the same minimum cart value of $300 but with that, a down payment of at least $79 is required before you will be able to lease to own.
Jared also has Affirm jewelry financing option if you prefer the pay-in-4 alternative since this does not usually come with any interest when repaid within the contract period.
Reeds Jewelers
Pay with
Afterpay, Affirm, Progressive, Own Card
Tip: you can purchase jewelry on a payment plan on Reeds Jewelers through Afterpay, Affirm, Progressive Leasing, and its own store credit card.
POPULAR CATEGORIES
Engagement Rings
Wedding Rings
All Jewelry
Reeds Jewelers provide another good opportunity for you when it comes to jewelry financing as it also has a good collection of products you can choose from.
This retailer has split pay-in-4 financing channels that include Afterpay, and Affirm, and for leasing, it also utilizes Progressive to add to the credit line provided through its credit card.
When checking out with its store credit card, your cart must be up to $500 in total value before you will be allowed to use your credit line.
If your order is worth $2,000 or more, you might want to go with Afterpay as you can conveniently checkout with it when your cart is between $2,000 to $5,000.
Nevertheless, there is also the Affirm option that you can use if your cart is less than $500, and through Progressive, you can as well check out if it is at least $300.
Fred Meyer Jewellers
Pay with
Progressive, Own Card
Tip: Fred Meyer Jewellers allows financing through its store credit card and the lease-to-own option provided by Progressive.
POPULAR CATEGORIES
Engagement Rings
Wedding Rings
All Jewelry
Fred Meyer has just two options when it comes to jewelry financing which include the use of an assigned credit line as well the possibility to lease using your Progressive account.
Nonetheless, you can still buy now and pay later through the use of BNPL-enabled virtual cards provided by many of the split payment providers.
The Fred Meyer Jewelers credit card can be used to purchase products with a minimum value of $299 up to a maximum cart value of $2,999.
In case you want to lease to own its jewelry, Progressive Leasing can be utilized when you are completing your order request but note that a minimum cart value of $300 is required to be eligible for this jewelry financing option.
FrostNYC
Pay with
Affirm, Acima, Progressive, PayTomorrow
Tip: you can finance your jewelry on FrostNYC through Affirm, Acima, Progressive, and PayTomorrow.
POPULAR CATEGORIES
Engagement Rings
Wedding Rings
All Jewelry
FrostNYC is one of the well-known hip-hop jewelry brands with different kinds of collections including chains, pendants, bracelets, and more.
This company retails its own products and has been in existence for years with most of its products being 14k and 18k gold ranges.
With FrostNYC, you can buy now and pay later using the Affirm option when you are checking out once you are done shopping its products.
In terms of the lease-to-own jewelry financing option, you can select from any of Acima and Progressive leasing providers at checkout to apply with your account owned with any of these payment plan companies.
FrostNYC also supports the use of PayTomorrow. With this, you can apply for a product financing loan which can be used to complete your jewelry purchase.
Pandora
Pay with
Afterpay, Klarna, PayPal Pay-in-4, Own Card
Tip: Pandora allows you to finance jewelry using Afterpay, Affirm, PayPal, and its store credit card.
POPULAR CATEGORIES
Engagement Rings
Wedding Rings
All Jewelry
Pandora is another popular jewelry retail chain brand with a variety of necklaces, rings, bracelets, customizable products, and more.
When shopping through its online portal, you can buy its items on a payment plan using buy now, pay later providers that include Afterpay, Klarna, and PayPal jewelry financing options.
With the Klarna route, you can access up to a maximum of $4,000, but this is higher than the $3,000 maximum offered by Afterpay when you select it as your jewelry financing provider at checkout.
An alternative to the above jewelry financing options offered by Pandora is its store credit card which allows you to buy from a minimum of $225. The tenor for credit card purchases ranges from 6 months up to 12 months.
TraxNYC
Pay with
Affirm, Acima, and Layaway
Tip: TraxNYC allows jewelry financing through Affirm and with Acima for lease-to-own contracts. You can also opt for its layaway option.
POPULAR CATEGORIES
Engagement Rings
Wedding Rings
All Jewelry
TraxNYC is one of the two big names on this list that plays primarily in the hip-hop jewelry category.
A very famous brand manufacturing hip-hop-themed products and with positive reviews from users, this jewelry manufacturer should be one worth your attention.
To buy products on TraxNYC to pay later, you can use Affirm when you are checking out. And also, its lease-to-own product financing is provided by Acima Leasing hence, you should select it if you intend to rent the jewelry for some time.
TraxNYC also has an interesting layaway jewelry financing plan that will enable you to get any of its products for up to a maximum of 2 years. Depending on the value of your shopping cart, you might be required to deposit between 5% to 10% of its total cost when opting for this layaway option.
Whether it is for an engagement or wedding or you need special jewelry for an event, there is always one that will fit your needs.
But not every time you will have that buoyant budget to handle the purchase. If you have some other things you need funds for, you might want to consider jewelry financing options offered by many top online stores.
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