Financing Available
You can pay for a ring in full, split it into a few payments, or spread it over months. Every option below is one you will actually see at our checkout, and you choose it there — there is nothing to apply for before you shop.
Whichever you pick, the price is the same. We do not add a financing fee, and the plan you are offered shows its full cost before you confirm anything.
Paying over time
Three plans are available at checkout. They are run by the payment companies, not by us, and each one decides its own approval.
Affirm
AffirmPay monthly over a term you choose at checkout.
0–36% APR based on your credit. No fees, no compounding interest.
- Credit check
- Yes, but checking your eligibility does not affect your credit score. Affirm's Pay in 4 plan is 0% APR.
- Good for
- A larger piece you would rather carry over several months.
Afterpay
AfterpayFour payments over about six weeks — the first at purchase, then one every two weeks.
Interest free. No late fee if you pay on time.
- Credit check
- No hard credit check. Afterpay approves each order on its own, and you need to be 18 or older and a US resident.
- Good for
- Spreading a purchase across two pay cycles.
Shop Pay
Shop PayPay in full, or split the order into installments.
Your rate and schedule are shown before you confirm.
- Credit check
- Handled by Shop Pay when you choose installments. You create the account at checkout.
- Good for
- Checking out fast on a phone with your details already saved.
Limits differ by provider and by order, and they change without notice, so we do not publish them here. Add the piece to your cart and checkout will show you exactly what each one offers on that amount.
Layaway — our own program
If you would rather not involve a lender at all, we will hold the piece for you. Put 20% down and pay the balance within three months. No interest, no credit check, and the ring is set aside the whole time.
It is the option people use when the date is a few months out and they would rather pay it off quietly.
Everything else we take
We have made our own diamond jewelry in the United States since 2001 and sold it factory direct. How you pay for it does not change what you pay.
SHOP ENGAGEMENT RINGS