16 Buy Now, Pay Later Jewelry Stores (Many With No Deposit Needed)

Fine jewelry represents a significant investment — one you may not be able to afford all at once. Many jewelry stores and retailers offer buy now, pay later financing, which lets you buy jewelry and then pay for it later or over time.

In this article, we’ll discuss what you should know about buy now, pay later jewelry financing, which buy now pay later jewelry stores exist, and of course, if you need to be prepared to provide a deposit. Enjoy getting that engagement ring, necklace, or anything else your heart desires.

What Does It Mean to Buy Now, Pay Later?

Buy now, pay later jewelry programs allow you to pick out the jewelry you want and take it home immediately, and then make payments on your jewelry purchases over time. This may be through a jewelry store financing program or a store credit card.

There are two different types of buy now, pay later financing.

  1. You must pay a deposit up front and then finance the rest of the amount over time.
  2. You can buy jewelry with no money down and then spread the payments out over time with deferred payment.

For both of these options, many jewelry stores have special financing offers for new customers that include either deferred interest or low introductory interest. This interest is usually calculated with an annual percentage rate (APR) — which is the total amount of interest paid annually, averaged over the entire loan term.

It’s important to note that with deferred interest jewelry store programs, you must pay off the entire purchase within the promotional period to take advantage of low-interest or zero-interest offers. If you don’t completely pay your balance before the promotion period ends, in most cases you will be charged the standard APR calculated from the beginning of the financing term.

For this reason, you should be sure that you’re able to make payments on time and within the promotional period if you decide to take advantage of buy now, pay later jewelry financing. It is also best to check the total cost of financing, as well as the potential fees you may be charged while paying off your jewelry (such as late payment fees), so you’re better prepared to pay off your purchase in full. Be aware that missed and sometimes even partial payments can incur fees and negatively impact your credit score.

Buy Now, Pay Later Jewelry Stores

In our list of jewelry stores that offer buy now, pay later financing, we’ve indicated whether the stores offer deferred payments or require an immediate deposit, and if any introductory deferred interest or low-interest programs are available. We’ve also indicated if these stores have in-person retail locations or are online only.

Blue Nile

  • Retail locations available? No
  • Buy now, pay later options: 6-month, 12-month, 24-month, 36-month, 48-month, and 60-month financing plans
  • Credit score needed: Fair or better
  • Deferred payments? Yes; first payment due 30 days from purchase
  • Deposit required: None
  • Standard APR: 29.99%
  • Introductory offers:
    • 6-month, 12-month plans: No interest if paid in full within promotional term
    • 24-month, 36-month, 48-month, 60-month plans: 9.99% APR if paid in full within promotional term
  • Source: Blue Nile Credit Card page
  • Financing application process: Create a free Blue Nile account to start your financing application
  • Start shopping at Blue Nile online

Crown Jewelers

  • Retail locations available? No
  • Buy now, pay later options: Crown Jewelers Credit Card
  • Credit score needed: No credit check required
  • Deferred payments? No, but if you pay on time for six months, you’ll be qualified to upgrade to a Guaranteed Zero Down Account with Crown Jewelers for future purchases
  • Deposit required: First month’s payment (varies according to purchase amount)
  • Standard APR: 21%
  • Introductory offers: None
  • Source: Crown Jewelers Credit Program page
  • Financing application process: Fill out the short Online Credit Card Application on the Crown Jewelers website. Approval is often instant but may take up to 24 hours.
  • Start shopping at Crown Jewelers online

Diamond Wave

  • Retail locations available? No
  • Buy now, pay later options: 3-month, 6-month, and 12-month plans with Affirm
  • Credit score needed: Poor credit okay; most buyers approved
  • Deferred payments? Yes; 30 days from date of purchase for fully approved financing
  • Deposit required: In some cases, a deposit may be required if Affirm is unable to finance the full amount. The amount financed may vary depending on your income, credit score, and total purchase amount.
  • Standard APR: 10%-30%
  • Introductory offers: None
  • Source: Diamond Wave Buy Now Pay Later Jewelry
  • Financing application process: Shop at DiamondWave.com and then choose the Affirm payment option at checkout to fill out the short credit application.
  • Start shopping at Diamond Wave online

Fascinating Diamonds

  • Retail locations available? No
  • Buy now, pay later options: 3-month, 6-month, and 12-month plans with Affirm
  • Credit score needed: Poor credit okay; most buyers approved
  • Deferred payments? Yes; 30 days from date of purchase for fully approved financing
  • Deposit required: In some cases, a deposit may be required if Affirm is unable to finance the full amount. The amount financed may vary depending on your income, credit score, and total purchase amount.
  • Standard APR: 10%-30%
  • Introductory offers: None
  • Source: Fascinating Diamonds Easy Financing for Diamond Jewelry page
  • Financing application process: Shop at FascinatingDiamonds.com and then choose the Affirm payment option at checkout to fill out the short credit application.
  • Start shopping at Fascinating Diamonds online

Fred Meyer Jewelers

Note: Fred Meyer Jewelers has an A+ rating from the Better Business Bureau (BBB), but is not accredited and has low customer ratings on BBB.org and Consumer Affairs.

Gage Diamonds

Helzberg Diamonds

Note: Helzberg Diamonds is accredited by the Better Business Bureau and has an A+ rating, but negative customer reviews.

Ice

  • Retail locations available? No
  • Buy now, pay later options: 3-month, 6-month, and 12-month plans with Affirm
  • Credit score needed: Poor credit okay; most buyers approved
  • Deferred payments? Yes; 30 days from date of purchase for fully approved financing
  • Deposit required: In some cases, a deposit may be required if Affirm is unable to finance the full amount. The amount financed may vary depending on your income, credit score, and total purchase amount.
  • Standard APR: 10%-30%
  • Introductory offers: None
  • Source: Ice Jewelry Payment Plans
  • Financing application process: Shop at IceTrends.com and then choose the Affirm payment option at checkout to fill out the short credit application.
  • Start shopping at Ice online

Jared the Galleria of Jewelry

  • Retail locations available? Yes
  • Buy now, pay later options: 12-month Diamond Plan; 18-month Platinum Plan; Jared Credit Card
  • Credit score needed: Fair or better
  • Deferred payments? Yes, for Jared Credit Card (first payment due 30 days from date of purchase)
  • Deposit required: 20% of total purchase amount for Diamond and Platinum plans; no deposit for Jared Credit Card
  • Standard APR: 17%-26.99%, depending on the state
  • Introductory offers:
    • 12-month plan: No interest if paid in full within promotional term
    • 18-month plan: No interest for the first 12 months and 9.9% APR for the remaining six months if paid in full within promotional term
  • Source: Jared Credit Financing Offers
  • Financing application process: Fill out the short Jared credit application online or apply in-store at any Jared location
  • Start shopping at Jared online
  • Find a Jared the Galleria of Jewelry near you

Kay Jewelers

  • Retail locations available? Yes
  • Buy now, pay later options: 12-month financing plan or Kay Credit Card
  • Credit score needed: Fair or better
  • Deferred payments? Yes, for Kay Credit Card (first payment due 30 days from date of purchase)
  • Deposit required: 20% of total purchase amount for 12-month financing plan; no deposit for Kay Credit Card
  • Standard APR: 17%-24.99%, depending on the state
  • Introductory offers: No interest if paid in full for 12-month plans
  • Source: Kay Credit Financing Offers
  • Financing application process: Fill out the short Kay credit application online or apply in-store at any Kay location
  • Start shopping at Kay online
  • Find a Kay Jewelers near you

Reeds Jewelers

  • Retail locations available? Yes
  • Buy now, pay later options: 6-month, 12-month, 24-month, 36-month, 48-month, and 60-month financing plans
  • Credit score needed: Fair or better
  • Deferred payments? Yes; first payment is due 30 days after date of purchase
  • Deposit required: None
  • Standard APR: 29.99%
  • Introductory offers:
    • 6-month, 12-month plans: No interest if paid in full within promotional term
    • 24-month, 36-month, 48-month, 60-month plans: 9.99% APR if paid in full within promotional term
  • Source: Reeds Credit Card Account page
  • Financing application process: Fill out the Reeds credit application online or apply in-store at any Reeds location
  • Start shopping at Reeds online
  • Find a Reeds Jewelers near you

Note: Affirm financing is also available at Reeds Jewelers. See the Affirm Financing page on the Reeds website for more details.

Shane Co.

  • Retail locations available? Yes
  • Buy now, pay later options: 6-month, 24-month, 36-month, 48-month, and 60-month financing plans
  • Credit score needed: Fair or better
  • Deferred payments? Yes; first payment is due 30 days from date of purchase
  • Deposit required: None
  • Standard APR: 28.99%
  • Introductory offers:
    • 6-month plans: No interest if paid in full within promotional term
    • 24-month plans: 9.99% APR if paid in full within promotional term
    • 36-month plans: 10.99% APR if paid in full within promotional term
    • 48-month plans: 11.99% APR if paid in full within promotional term
    • 60-month plans: 12.99% APR if paid in full within promotional term
  • Source: Shane Co. Financing Options
  • Financing application process: Fill out the Shane Co. credit application online, or apply in-store at any Shane Co. location
  • Start shopping at Shane Co. online
  • Find a Shane Co. near you

Sterling Family of Jewelers

Super Jeweler

  • Retail locations available? No
  • Buy now, pay later options: 3-month, 6-month, and 12-month plans with Affirm
  • Credit score needed: Poor credit okay; most buyers approved
  • Deferred payments? Yes; 30 days from date of purchase for fully approved financing
  • Deposit required: In some cases, a deposit may be required if Affirm is unable to finance the full amount. The amount financed may vary depending on your income, credit score, and total purchase amount.
  • Standard APR: 10%-30%
  • Introductory offers: None
  • Source: Affirm Pre-Qualifying Page
  • Financing application process: Shop at SuperJewelers.com and then choose the Affirm payment option at checkout to fill out the short credit application.
  • Start shopping at Super Jeweler online

Tiffany & Co.

Zales

In Summary

Those were the major buy now pay later jewelry stores listed for you to assess. As you can see, there are a number of options for buy now, pay later jewelry financing, including closed-end payment plans and deferred interest plans. Many jewelry stores offer both credit card financing and in-store financing options. A number of jewelers also offer buy now, pay later options for buyers with poor/no credit, but be prepared to pay a deposit. With any of these financing options, check the total cost and fees before buying, and be sure you can make on-time payments to avoid paying additional interest or fees.

Suggested Article: Here’s the List of the Easiest Jewelry Store Credit Cards to Get

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