Pay over time at Rare Carat

Rare Carat is a marketplace for natural and lab-grown diamonds and engagement rings. We confirmed Klarna, Affirm, Cash App Afterpay and Katapult here.

Ways to pay over time

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

Pay later

Klarna

APR
0% to 35.99%
Credit check
Soft for Pay in 4

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

Store offer, minimum and plan lengths are from Rare Carat’s website. APR and credit check are Klarna’s general terms.

All Klarna stores and terms

Pay later

Affirm

Store offer
0% APR options
Minimum purchase
Often $50
Plan lengths
3 to 36 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 Rare Carat’s website. APR and credit check are Affirm’s general terms.

All Affirm stores and terms

Pay later

Cash App Afterpay

APR
0% to 35.99%
Credit check
Soft check

Checked Nov 12, 2026 The Meedsy team confirmed Cash App Afterpay on the store’s website

Store offer, minimum and plan lengths are from Rare Carat’s website. APR and credit check are Cash App Afterpay’s general terms.

All Cash App Afterpay stores and terms

Lease-to-own

Katapult

Cost
More than cash price
Credit check
No hard inquiry

Checked Nov 12, 2026 The Meedsy team confirmed Katapult on the store’s website

Store offer, minimum and plan lengths are from Rare Carat’s website. Cost and credit check are Katapult’s general terms.

All Katapult stores and terms

Takes PayPal

PayPal (Pay Later inside PayPal)

Rare Carat 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 12, 2026

PayPal Pay Later terms and stores

How to pay over time at Rare Carat

  1. Add what you want to your cart on rarecarat.com.
  2. At checkout or on the store’s financing page, choose Klarna, Affirm, Cash App Afterpay or Katapult.
  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 Rare Carat financing

Does Rare Carat offer financing?

Yes. We confirmed Klarna, Affirm, Cash App Afterpay and Katapult at Rare Carat on Nov 12, 2026. Options can change, so check at checkout before you buy.

Will checking my rate at Rare Carat affect my credit score?

Klarna Pay in 4 uses a soft credit check, which does not affect your score. Monthly financing needs a credit check when you apply, and the loan may be reported to credit bureaus.

Can I use Klarna in a Rare Carat store?

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

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