Pay over time at Blue Nile

Blue Nile is an online jeweler selling diamonds, engagement rings, wedding bands and fine jewelry. We confirmed Affirm and Splitit here.

Ways to pay over time

Options and terms can change and depend on your credit. Confirm at checkout before you accept.

Pay later

Affirm

Minimum purchase
Often $50
Plan lengths
6, 12 or 24 months
APR
0% to 36%
Credit check
Won't affect your score

Checked Nov 10, 2026 The store’s website says it offers Affirm

Store offer, minimum and plan lengths are from Blue Nile’s website. APR and credit check are Affirm’s general terms.

All Affirm stores and terms

Card installments

Splitit

Cost
No Splitit interest
Credit check
None

Checked Nov 11, 2026 The store’s website says it offers Splitit

Store offer, minimum and plan lengths are from Blue Nile’s website. Cost and credit check are Splitit’s general terms.

All Splitit stores and terms

Takes PayPal

PayPal (Pay Later inside PayPal)

Blue Nile takes PayPal at checkout. We didn't see Pay Later advertised on its site, but for eligible US orders Pay in 4 usually shows inside the PayPal window. Check there before you rely on it.

Checked Nov 10, 2026

PayPal Pay Later terms and stores

How to pay over time at Blue Nile

  1. Add what you want to your cart on bluenile.com.
  2. At checkout or on the store’s financing page, choose Affirm or Splitit.
  3. Each one runs its own check. The cards above show which use a soft check and which can affect your credit.
  4. Compare the plans and the total cost, then accept only if the total works for you.

Questions about Blue Nile financing

Does Blue Nile offer financing?

Yes. We confirmed Affirm and Splitit at Blue Nile on Nov 11, 2026. Options can change, so check at checkout before you buy.

Will checking my rate at Blue Nile affect my credit score?

Checking your plans with Affirm does not affect your credit score. If you take a loan, Affirm reports it to Experian, including Pay in 4.

Can I use Affirm in a Blue Nile store?

We checked online shopping at Blue Nile only. If the store has physical locations, ask there whether financing is available.

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