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

Buying fine jewelry can be a significant investment, and one that many may not able to afford all at once. However, several popular jewelry stores — both brick-and-mortar and online-only — offer buy now, pay later financing options that allow you to buy jewelry and then pay for it over time. Typical buy now, pay later financing options include store credit cards, in-house financing, and financing through a third-party company like Affirm.

Many jewelry stores offer store credit cards that come with special financing plans. You typically do not need to put down a deposit to use the credit card, but to qualify for special financing (e.g., low or no interest for a set period of time), you may need to pay a percentage of the total purchase amount upfront.

It’s important to note that with deferred interest payment 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.

Other jewelry stores partner with the financing company Affirm; this partnership allows the retailers to offer long-term payment options to customers with poor credit history. Note that you must apply to Affirm separately (usually directly from the jeweler’s checkout page), and once approved, Affirm will determine the terms of your financing.

Below, we provide the list of jewelry stores that offer different types of buy now, pay later financing, including information about credit and deposit requirements, as well as any introductory offers.

What We Recommend

The jewelry store you choose will ultimately depend on your priorities, but you can narrow down your decision based on a store’s financing options as well as its prices, selection, and whether or not it has physical store locations.

Many of the stores that offer buy now, pay later financing through a store credit card have similar credit card terms and competitive pricing. An exception is Blue Nile — while it has no physical stores, it offers high-quality products at prices that are notably lower than the others with similar financing, and it will typically price match its competitors.

If you do not want to open a store credit card, Kobelli comes with highly-rated products and customer service, and through its partnership with Affirm, it can offer financing to customers with poor credit. If you prefer to shop at a physical store, Reeds Jewelers has locations in many states, it provides one of the widest selections of designers, and it offers multiple financing options for all credit levels. Additionally, SuperJeweler boasts a wide selection, the most affordable prices of any store on the list, and it also has the flexibility of offering its own in-house financing.

For reputable stores with nationwide retail locations and a wide selection of styles and designers, you may want to consider Kay or Zales. Both companies are actually owned by the same parent company, along with Jared (which has a slightly more limited selection).

Comparison Table

You can use the table below for a quick comparison of available financing options, as well as credit and initial deposit requirements, then click any store or scroll for more information.

Jewelry Store Financing Options Minimum Credit Requirement Deposit Requirement
Blue Nile Store credit card Fair None
Crown Jewelers Store credit card No credit check First month's payment
Fred Meyer Jewelers Store credit card Fair None
Jared the Galleria of Jewelry Store credit card Fair None for credit card alone; 20% for special financing
Kay Jewelers Store credit card Fair None for credit card alone; 20% for special financing
Shane Co. Store credit card Fair None for credit card alone; 20% for special financing
Sterling Family of Jewelers Store credit card Fair None for credit card alone; 20% for special financing
Tiffany & Co. Store credit card Fair None
Zales Store credit card Not disclosed None
Fascinating Diamonds Affirm financing Poor Varies
Ice Jewelry Affirm financing Poor Varies
Kobelli Affirm financing Poor Only for purchases over $17,500
Gage Diamonds Financing plan No credit check Typically none; 50% for some purchases
SuperJeweler Financing plan Poor None
Helzberg Diamonds Store credit card, line of credit, or Affirm financing Fair None
Reeds Jewelers Store credit card or Affirm financing Fair for credit card; poor credit okay for Affirm financing None

The List

Below, we list the jewelry stores that offer buy now, pay later financing, ordered starting with the stores with the best overall value, reputation, etc. We’ve also indicated if these stores have in-person retail locations or are online only.

It is always 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, which vary by financing agreement), so you’re better prepared to pay off your purchase in full. Be aware that missed and partial payments can incur fees and negatively impact your credit score.

Blue Nile

  • Retail locations available? No
  • Buy now, pay later options: Blue Nile Credit Card
  • Financing period: 6-month, 12-month, 24-month, 36-month, 48-month, and 60-month plans
  • Minimum credit requirement: Fair
  • Deferred payments? Yes; first payment due 30 days from purchase
  • Deposit required: None
  • 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: Reduced APR if paid in full within promotional term
  • Find out more about the Blue Nile Credit Card

Kobelli

  • Retail locations available? Yes, but operates primarily online
  • Buy now, pay later options: Financing through Affirm (for purchases up to $30,000)
  • Financing period: 3-month, 6-month, and 12-month plans
  • Minimum credit requirement: Poor credit okay; most buyers approved
    Deferred payments? Yes; first payment due 30 days from date of purchase
  • Deposit required: Only for purchases greater than $17,500
  • Introductory offers: None
  • Find out more by selecting Affirm financing at checkout or visit Kobelli’s store in Los Angeles, CA

Reeds Jewelers

  • Retail locations available? Yes
  • Buy now, pay later options: Reeds Credit Card Account or financing through Affirm
  • Financing period: 6-month, 12-month, 24-month, 36-month, 48-month, and 60-month plans
  • Minimum credit requirement: Fair
  • Deferred payments? Yes; first payment is due 30 days after date of purchase
  • Deposit required: None
  • 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: Reduced APR if paid in full within promotional term
  • Find out more about the Reeds Credit Card Account or visit your nearest location

SuperJeweler

  • Retail locations available? No
  • Buy now, pay later options: SuperJeweler Financing
  • Financing period: 12-month, 24-month, and 36-month plans
  • Minimum credit requirement: Poor credit okay; most buyers approved
  • Deferred payments? Yes; 30 days from date of purchase for fully approved financing
  • Deposit required: None
  • Introductory offers: None
  • Find out more about SuperJeweler Financing

Kay Jewelers

  • Retail locations available? Yes
  • Buy now, pay later options: Kay Jewelers LONG LIVE LOVE Credit Card
  • Financing period: 12-month financing plan (with credit card)
  • Minimum credit requirement: Fair
  • Deferred payments? Yes; first payment due 30 days from date of purchase
  • Deposit required: None for Kay Credit Card; 20% of total purchase amount for 12-month financing plan
  • Introductory offers: No interest if paid in full for 12-month plans
  • Find out more about the Kay Credit Card or visit your nearest location

Zales

  • Retail locations available? Yes
  • Buy now, pay later options: Zales Diamond Credit Card
  • Financing period: 6-month, 12-month, 18-month, and 36-month plans
  • Minimum credit requirement: Not disclosed by Comenity Capital Bank, the issuing bank for Zales financing
  • Deferred payments? Yes; first payment due 30 days from date of purchase
  • Deposit required: None
  • Introductory offers: Special financing available; exact rates not disclosed by Comenity Capital Bank
  • Find out more about the Zales Diamond Credit Card or visit your nearest location

Our articles have more information about when Zales has the best sales and how long it takes Zales to ship your order.

Gage Diamonds

  • Retail locations available? Yes, but operates primarily online
  • Buy now, pay later options: Gage Diamonds Financing
  • Financing period: 12-month and 24-month plans
  • Minimum credit requirement: No credit check
  • Deferred payments? Yes; 30 days from date of purchase for fully approved financing
  • Deposit required: In some cases, a deposit of 50% may be required if Gage Diamonds is unable to finance the full amount. However, most customers are approved for the full amount.
  • Introductory offers: None
  • Find out more about Gage Diamonds financing or visit its showroom in Chicago, IL

Ice Jewelry

  • Retail locations available? No
  • Buy now, pay later options: Financing through Affirm
  • Financing period: 3-month, 6-month, and 12-month plans
  • Minimum credit requirement: 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.
  • Introductory offers: None
  • Find out more by selecting Affirm financing at checkout

Jared the Galleria of Jewelry

  • Retail locations available? Yes
  • Buy now, pay later options: Jared Gold Credit Card
  • Financing period: 12-month, 18-month, 36-month, and 48-month special financing with credit card
  • Minimum credit requirement: Fair
  • Deferred payments? Yes, for Jared Credit Card (first payment due 30 days from date of purchase)
  • Deposit required: None for Jared Gold Credit Card; 20% of total purchase amount for Diamond and Platinum plans
  • 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 reduced APR for the remaining six months if paid in full within promotional term
  • Find out more about the Jared Gold Credit Card or visit your nearest location

Fascinating Diamonds

  • Retail locations available? No
  • Buy now, pay later options: Easy Financing through Affirm
  • Financing period: 3-month, 6-month, and 12-month plans
  • Minimum credit requirement: 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.
  • Introductory offers: None
  • Find out more by selecting Affirm financing at checkout

Helzberg Diamonds

  • Retail locations available? Yes
  • Buy now, pay later options: Helzberg Diamonds Credit Card, revolving line of credit, or financing through Affirm
  • Financing period: 6-month, 12-month, 36-month, and 60-month plans
  • Minimum credit requirement: Fair
  • Deferred payments? Yes; first payment due 30 days from date of purchase
  • Deposit required: None
  • Introductory offers:
    • 6-month, 12-month plans: No interest if paid in full within promotional term
    • 36-month plans: Reduced APR if paid in full within promotional term
    • 60-month plans: Reduced APR (slightly higher than the 36-month plan) if paid in full within promotional term
  • Find out more about Helzberg financing options or visit your nearest location

Tiffany & Co.

  • Retail locations available? Yes
  • Buy now, pay later options: Tiffany Credit Card Select Financing
  • Financing period: 12-month and 24-month plans
  • Minimum credit requirement: Fair
  • Deferred payments? Yes; first payment is due 30 days from date of purchase
  • Deposit required: None
  • Introductory offers:
    • 12-month plan: No interest if paid in full within promotional term
    • 24-month plan: Reduced APR if paid in full within promotional term
  • Find out more about Tiffany & Co. financing or visit your nearest location

Sterling Family of Jewelers

  • Retail locations available? Yes
  • Buy now, pay later options: Sterling Credit Card
  • Financing period: 12-month financing plan (with credit card)
  • Minimum credit requirement: Fair
  • Deferred payments? Yes, for Sterling Credit Card (first payment due 30 days from date of purchase)
  • Deposit required: None for Sterling Credit Card; 20% of total purchase amount for 12-month financing plan
  • Introductory offers: No interest if paid in full for 12-month plans
  • Find out more about the Sterling Credit Card or visit your nearest location

Crown Jewelers

  • Retail locations available? No
  • Buy now, pay later options: Crown Jewelers Credit Card
  • Financing period: Monthly payments until the balance is paid
  • Minimum credit requirement: No credit check
  • 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)
  • Introductory offers: None
  • Find out more about the Crown Jewelers Credit Card

Fred Meyer Jewelers

  • Retail locations available? Yes
  • Buy now, pay later options: Fred Meyer Jewelers Platinum Preferred Card
  • Financing period: 6-month, 12-month, and 48-month plans
  • Minimum credit requirement: Fair
  • Deferred payments? Yes; first payment is due 30 days after purchase date
  • Deposit required: None
  • Introductory offers:
    • 6-month, 12-month plans: No interest if paid in full within promotional term
    • 48-month plans: Reduced APR if paid in full within promotional term
  • Find out more about the Fred Meyer Jewelers Platinum Preferred Card or visit your nearest location

Shane Co.

  • Retail locations available? Yes
  • Buy now, pay later options: Shane Co. Credit Card
  • Financing period: 6-month, 24-month, 36-month, 48-month, and 60-month plans
  • Minimum credit requirement: Fair
  • Deferred payments? Yes; first payment is due 30 days from date of purchase
  • Deposit required: None
  • Introductory offers:
    • 6-month plans: No interest if paid in full within promotional term
    • 24-month plans: Reduced APR if paid in full within promotional term
    • 36-month plans: Reduced APR (slightly higher than 24-month plan) if paid in full within promotional term
    • 48-month plans: Reduced APR (slightly higher than 36-month plan) if paid in full within promotional term
    • 60-month plans: Reduced APR (slightly higher than 48-month plan) if paid in full within promotional term
  • Find out more about the Shane Co. Credit Card or visit your nearest location

In Summary

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 financing through store credit cards, but some also offer in-house financing programs, financing through a third-party like Affirm, or a combination of options. For competitive pricing through store credit card financing, you will likely want to go with stores like Blue Nile (online only) or Kay and Zales (physical locations). For a brick-and-mortar option with a wide jewelry selection and multiple financing options, consider Reeds Jewelers. If you prefer not to open a store credit card, you can finance even with poor credit through Kobelli, and you can find the lowest prices with SuperJeweler. With any financing option, check the total cost and fees before buying, and be sure you can make on-time payments to avoid paying additional interest or fees.

For more about jewelry financing, we also have information about jewelry stores with layaway plans.