Pay over time at Kay Jewelers

Kay Jewelers is a US mall jeweler selling engagement rings, diamond jewelry and watches online and in stores. We confirmed Affirm and Progressive Leasing 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

Store offer
Pay in 4 interest-free on some purchases
Minimum purchase
$150
Plan lengths
3, 6, 12, 18, 24 or 36 months; 0–36% APR
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 Kay Jewelers’s website. APR and credit check are Affirm’s general terms.

All Affirm stores and terms

Lease-to-own

Progressive Leasing

Name at checkout
Lease Purchase Program
Cost
More than cash price
Credit check
No credit needed

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

Store offer, minimum and plan lengths are from Kay Jewelers’s website. Cost and credit check are Progressive Leasing’s general terms.

All Progressive Leasing stores and terms

Takes PayPal

PayPal (Pay Later inside PayPal)

Kay Jewelers 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 Kay Jewelers

  1. Add what you want to your cart on kay.com (at least $150).
  2. At checkout or on the store’s financing page, choose Affirm or Lease Purchase Program.
  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 Kay Jewelers financing

Does Kay Jewelers offer financing?

Yes. We confirmed Affirm and Progressive Leasing at Kay Jewelers on Nov 10, 2026. Options can change, so check at checkout before you buy.

Is there a minimum purchase to use Affirm at Kay Jewelers?

Kay Jewelers says the minimum is $150. Below that, Affirm may not show at checkout.

Does Kay Jewelers offer 0% APR?

Kay Jewelers mentions this offer on its website: Pay in 4 interest-free on some purchases. Whether you get it depends on your credit and the plan you choose. Check the APR before you accept.

Will checking my rate at Kay Jewelers 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 Kay Jewelers store?

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

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