14 Best Buy Now, Pay Later Jewelry Stores (Many No Deposit)

William Lipovsky headshot William Lipovsky
Updated Dec 15, 2023
woman putting on drop earrings

Buying fine jewelry can be a significant investment and one that many customers can’t 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 don’t 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- or zero-interest offers. If you don’t completely pay your balance before the promotion period ends, in most cases, you’ll 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 don’t 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, provides one of the widest selections of designers, and offers multiple financing options for all credit levels.

Additionally, SuperJeweler boasts a wide selection, the most affordable prices of any store on our list, and 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 retailers 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 select any store or scroll to the list for more information.

Jewelry Store Financing Options Minimum Credit Requirement Deposit Requirement
Blue NileStore credit card No set requirement Yes; applied to final payment
Crown JewelersStore credit card No credit check Only for no credit accounts
Fred Meyer JewelersStore credit card Fair None
Jared the Galleria of JewelryStore credit card Fair Varies
Kay JewelersStore credit card or Affirm financing Fair None for credit card alone; varies for Affirm
Shane Co.Store credit card No set requirement None
Tiffany & Co.Store credit card Fair None
ZalesStore credit card or Affirm financing Fair to good None for credit card alone; varies for Affirm
Fascinating DiamondsAffirm financing Poor Varies
KobelliAffirm financing No set requirement Varies
Gage DiamondsFinancing plan No minimum requirement Typically none; 50% for some purchases
SuperJewelerFinancing plan No set requirement None
Helzberg DiamondsStore credit card, line of credit, or Affirm financing Varies by financing None for credit card; varies for Affirm
Reeds JewelersStore credit card or Affirm financing Fair for credit card; no set requirement for Affirm None for credit card; varies for Affirm
Table Plugin

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 logo

Blue Nile

  • Retail locations available? Yes[1]
  • Buy now, pay later options: Blue Nile Credit Card[2]
  • Financing period: Six-, 12-, 18-, 24-, 36-, 48-, and 60-month plans, depending on the purchase amount[2]
  • Minimum credit requirement: No set requirement, though credit is considered[3]
  • Deferred payments? No[4]
  • Deposit required: Yes; applied toward your final payment[5]
  • Introductory offers:
    • Six-, 12-, and 18-month plans: No interest if paid in full within the promotional term[2]
    • 24-month, 36-month, 48-month, and 60-month plans with 9.99% APR[2]
  • Find out more

Kobelli logo

Kobelli

  • Retail locations available? No[6]
  • Buy now, pay later options: Financing through Affirm[7]
  • Financing period: Three-, six-, and 12-month plans[7]
  • Minimum credit requirement: Not specified; approval is based on many other factors, as well[8]
  • Deferred payments? Yes; first payment due one month from date of purchase[9]
  • Deposit required: Varies by purchase amount[10]
  • Introductory offers: None[10]
  • Find out more

Reeds Jewelers logo

Reeds Jewelers

  • Retail locations available? Yes[11]
  • Buy now, pay later options: Reeds Credit Card Account[12] or financing through Affirm[13]
  • Financing period: Six-, 12-, and 60-month special financing with the Reeds Credit Card Account;[12] three, six, or 12 months with Affirm[13]
  • Minimum credit requirement: Fair;[14] no set requirement for Affirm[13]
  • Deferred payments? Yes; first payment is due about a month after date of purchase[15][9]
  • Deposit required: None for the Reeds Credit Card Account;[15] varies by purchase amount for Affirm[10][13]
  • Introductory offers:
    • Six-, 12-, and 60-month no-interest or reduced-interest plans with the Reeds Credit Card Account[12]
    • None available for Affirm[10]
  • Find out more

Super Jeweler logo

SuperJeweler

  • Retail locations available? No[16]
  • Buy now, pay later options: SuperJeweler Financing[17]
  • Financing period: Six- and 12-month plans[17]
  • Minimum credit requirement: SuperJeweler works with multiple financing providers to provide options for a variety of credit profiles.[17]
  • Deferred payments? Yes; 30 days from date of purchase for fully approved financing[18]
  • Deposit required: None[18]
  • Introductory offers:
    • Six-month interest-free financing for purchases up to $499.99[17]
    • 12-month  interest-free financing for purchases of $500 or more[17]
  • Find out more

Kay Jewelers logo

Kay Jewelers

  • Retail locations available? Yes[19]
  • Buy now, pay later options: Kay Jewelers Credit Card[20] or Affirm[21]
  • Financing period: Six-, 12-, 18-, or 36-month financing with the credit card;[20][22] three-, six-, and 12-month plans with Affirm[21]
  • Minimum credit requirement: Fair[23]
  • Deferred payments? Yes; first payment typically due a month from date of purchase[24][9]
  • Deposit required: None for the credit card;[20] varies by purchase with Affirm[10]
  • Introductory offers: No interest on credit card purchases if paid in full within six, 12, or 18 months; reduced APR if paid within 36 months[20]
  • Find out more

Zales logo

Zales

  • Retail locations available? Yes[25]
  • Buy now, pay later options: Zales Diamond Credit Card[26] or Affirm[27]
  • Financing period: Six-, 12-, 18-, 24- and 36-month plans[26]
  • Minimum credit requirement: Fair to good[28][29]
  • Deferred payments? Not for the Zales Diamond Credit Card;[26] first payment with Affirm is due a month after date of purchase[9]
  • Deposit required: None for the Zales Diamond Credit Card with purchases of at least $300;[26] varies by purchase for Affirm[10]
  • Introductory offers: None with Affirm, but the Zales Diamond Credit Card has zero-interest promotional offers for six-, 12-, 18-, and 24-month financing, as well as reduced interest for 36-month financing.[26][30]
  • Find out more

Want to know more about shopping at Zales? See our research on when Zales has the best sales.

Gage Diamonds Logo

Gage Diamonds

  • Retail locations available? Yes (Chicago), but operates primarily online[31]
  • Buy now, pay later options: LendFirm[32]
  • Financing period: Varies by purchase; typically 12 or 24 months[33]
  • Minimum credit requirement: No minimum; LendFirm runs a credit check, but considers factors other than your credit score in its lending decision.[34]
  • Deferred payments? No; payments begin the payday following your date of purchase[33]
  • Deposit required: Typically none, but for some large purchases, a 50% deposit may be required[35]
  • Introductory offers: None[33]
  • Find out more

Jared logo

Jared the Galleria of Jewelry

  • Retail locations available? Yes[36]
  • Buy now, pay later options: Jared Gold Credit Card[37]
  • Financing period: Six-, 12-, 18-, 36-, and 48-month special financing[37]
  • Minimum credit requirement: Fair[38]
  • Deferred payments? No[39]
  • Deposit required: Varies depending on purchase amount and credit plan[39]
  • Introductory offers:
    • Deferred interest for all special financing plans[37]
  • Find out more

Fascinating Diamonds logo

Fascinating Diamonds

  • Retail locations available? No[40]
  • Buy now, pay later options: Affirm[41]
  • Financing period: Three-, six-, and 12-month plans[41]
  • Minimum credit requirement: Poor credit okay; most buyers approved[41]
  • Deferred payments? Yes; one month from date of purchase for fully approved financing[41]
  • 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.[10]
  • Introductory offers: None[30]
  • Find out more

Helzberg Diamonds logo

Helzberg Diamonds

  • Retail locations available? Yes[42]
  • Buy now, pay later options: Helzberg Diamonds Credit Card, Helzberg Diamonds Private Account, or Affirm[43]
  • Financing period: Six-, 12-, and 36-month plans[43]
  • Minimum credit requirement: Varies by financing type; generally fair[44]
  • Deferred payments? Yes; first payment due one month/one billing cycle from date of approval[44][9]
  • Deposit required: None for Helzberg’s credit card and credit account;[43] varies by purchase with Affirm[10]
  • Introductory offers:
    • No interest with the Helzberg Diamonds Credit Card if paid in full within six or 12 months[43]
    • Reduced APR with the Helzberg Diamonds Credit Card if paid in full within 36 months[43]
  • Find out more

Tiffany and Co logo

Tiffany & Co.

  • Retail locations available? Yes[45]
  • Buy now, pay later options: Tiffany Select Financing[46]
  • Financing period: 12- and 24-month plans[47]
  • Minimum credit requirement: Fair[48]
  • Deferred payments? Yes; first payment is due 30 days from date of purchase[47]
  • Deposit required: None[47]
  • Introductory offers:
    • No interest if paid in full within 12 months[47]
    • Reduced APR if paid in full within 24 months[47]
  • Find out more

Crown Jewelers logo

Crown Jewelers

  • Retail locations available? No[49]
  • Buy now, pay later options: Crown Jewelers Revolving Credit Plan[50]
  • Financing period: Monthly payments until the balance is paid[50]
  • Minimum credit requirement: No credit check[51]
  • Deferred payments? No; payments are due on or before the last day of the month[52]
  • Deposit required: Small down payment for no credit accounts; none for accounts that have been open at least six months and are in good standing[52]
  • Introductory offers: None[50]
  • Find out more

Fred Meyer Jewelers logo

Fred Meyer Jewelers

  • Retail locations available? Yes[53]
  • Buy now, pay later options: Fred Meyer Jewelers Platinum Preferred Card[54]
  • Financing period: Six-, 12-, and 48-month plans[54]
  • Minimum credit requirement: Fair[55]
  • Deferred payments? Yes; first payment is due 30 days after purchase date[54]
  • Deposit required: None[54]
  • Introductory offers:
    • No interest if paid in full within six or 12 months[54]
    • Reduced APR if paid in full within 48 months[54]
  • Find out more

Shane Co logo

Shane Co.

  • Retail locations available? Yes[56]
  • Buy now, pay later options: Shane Co. Credit Card[57]
  • Financing period: 12-, 18-, 24-, 36-, 48-, and 60-month plans[57]
  • Minimum credit requirement: No set requirement; multiple factors considered for approval[58]
  • Deferred payments? Payments are due on the following billing cycle, which is the 26th of each month[58]
  • Deposit required: None[58]
  • Introductory offers:
    • No interest if paid in full within 12 or 18 months[57]
    • Reduced APR with 24-, 36-, 48-, or 60-month financing[57]
  • Find out more

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

  1. https://www.bluenile.com/contact-us[↩]
  2. https://www.bluenile.com/services/blue-nile-credit-card[↩][↩][↩][↩]
  3. Blue Nile customer service (866) 494-8054[↩]
  4. Blue Nile customer service online chat[↩]
  5. https://www.bluenile.com/services/special-orders/terms[↩]
  6. https://kobelli.com/[↩]
  7. https://kobelli.com/pages/payment-options[↩][↩]
  8. https://helpcenter.affirm.com/s/article/loan-approvals[↩]
  9. https://helpcenter.affirm.com/s/article/see-my-balance[↩][↩][↩][↩][↩]
  10. https://www.affirm.com/how-it-works[↩][↩][↩][↩][↩][↩][↩][↩]
  11. https://www.reeds.com/reeds-locations/[↩]
  12. https://www.reeds.com/reeds-credit-card.html[↩][↩][↩]
  13. https://www.reeds.com/affirm-financing.html[↩][↩][↩][↩]
  14. Reeds Jewelers customer service (844) 733-3740[↩]
  15. https://etail.mysynchrony.com/cs/groups/public/documents/et_tcdoc/e049330.pdf[↩][↩]
  16. https://www.superjeweler.com/[↩]
  17. https://www.superjeweler.com/superjeweler-financing[↩][↩][↩][↩][↩]
  18. Super Jeweler customer service online chat[↩][↩]
  19. ​​https://www.kay.com/store-finder[↩]
  20. https://www.kay.com/credit-landing[↩][↩][↩][↩]
  21. https://www.kay.com/affirm[↩][↩]
  22. https://www.kay.com/payments[↩]
  23. Kay Jewelers credit services (855) 506-2499[↩]
  24. Kay Jewelers customer service online chat[↩]
  25. https://www.zales.com/store-finder[↩]
  26. https://www.zales.com/credit-card[↩][↩][↩][↩][↩]
  27. https://www.affirm.com/shop/zales-web#xd_co_f=MjZhNjlhYmItYTg0NC00ODQxLTlmYzQtMzAwMzZlM2Q4NTlk~[↩]
  28. Comenity Capital Bank (844) 271-2709[↩]
  29. Zales store customer service representatives[↩]
  30. https://helpcenter.affirm.com/s/[↩][↩]
  31. https://gagediamonds.com/showroom/[↩]
  32. https://gagediamonds.com/financing/[↩]
  33. https://www.lendfirm.com/faq/#loan[↩][↩][↩]
  34. https://www.lendfirm.com/faq/#loan_app[↩]
  35. https://gagediamonds.com/faqs/[↩]
  36. https://www.jared.com/store-finder[↩]
  37. https://www.jared.com/credit-landing[↩][↩][↩]
  38. Jared customer service (855) 931-4261[↩]
  39. https://www.jared.com/payments[↩][↩]
  40. https://www.fascinatingdiamonds.com/[↩]
  41. https://www.fascinatingdiamonds.com/services/easy-financing[↩][↩][↩][↩]
  42. https://stores.helzberg.com/[↩]
  43. https://www.helzberg.com/jewelry-financing-and-payments[↩][↩][↩][↩][↩]
  44. Helzberg Credit Card customer service (855) 810-2541[↩][↩]
  45. https://www.tiffany.com/jewelry-stores/[↩]
  46. https://www.tiffany.com/faq/?faq_id=1717&FAQ_CATEGORY=96%20&Search_Key=&#credit-card-account-faq[↩]
  47. https://media.tiffany.com/is/content/Tiffany/TCO_Retail_Installment_Credit_Agreement[↩][↩][↩][↩][↩]
  48. Tiffany & Co. customer service (800) 827-1396[↩]
  49. https://www.crownjewelers.com/[↩]
  50. https://www.crownjewelers.com/Agreement.html[↩][↩][↩]
  51. https://www.crownjewelers.com/Application.asp[↩]
  52. https://www.crownjewelers.com/Faqs.html[↩][↩]
  53. https://www.fredmeyerjewelers.com/Service/StoreLocator.aspx[↩]
  54. https://www.fredmeyerjewelers.com/creditoffers[↩][↩][↩][↩][↩][↩]
  55. Fred Meyer Jewelers customer service (800) 342-6663[↩]
  56. https://www.shaneco.com/jewelry-store-finder[↩]
  57. https://www.shaneco.com/customer-service/financing-options[↩][↩][↩][↩]
  58. Shane Co. customer service (866) 467-4263[↩][↩][↩]

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