Jewelry Financing, Layaway, & Payment Options – Brilliant Earth
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From layaway to payment plans, discover your best option for financing engagement rings, wedding rings, and fine jewelry.


Buy now, pay over time.

wells fargo
Financing for Engagement Rings, Wedding Rings & Jewelry
Payment Plans
Up to 36 months with rates as low as 0% APR*
No interest if paid in full within 12 months

Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period.*
Eligible Customers
U.S. customers only, excluding Iowa and West Virginia
U.S. customers only


Enter your contact info, and we’ll put you in touch with our jewelry financing experts.

Diamond necklaces with diamond bridal set


After an initial deposit, our layaway plan allows you to make monthly payments on any purchase. Please call us at 800.691.0952 for details.

Learn More


Layaway is an installment-based payment plan that allows you to pay for jewelry over a period of weeks or months. Instead of paying for your purchase after you receive it, you can make layaway payments before you receive your purchase.

Layaway plans and Wells Fargo financing can be retroactively added to an order for most payment options. If Affirm was used as a payment option, a payment plan cannot be added retroactively. For additional information, please contact our customer service team at 800.691.0952.

Yes, you can finance an engagement ring if you’d prefer to pay it off over time. This can be a great choice if you qualify for a competitive interest rate plans through Wells Fargo or Affirm, or plan to pay in full within 12 months.

Financing an engagement ring or fine jewelry can be a great choice if you’d like to make the purchase now but prefer to pay it off over time. You can choose from a variety of payment plans from loan servicers like Wells Fargo or Affirm. You’ll enter into any agreement with an understanding of your interest rate, monthly payments, and promotional periods.

When a certain engagement ring has caught your eye, layaway can be a great option to ensure it isn't purchased by someone else. Putting an engagement ring on layaway allows you to pay towards your dream ring with no interest charged to you.

This depends on the cost of the engagement ring and the type of financing plan you’re approved for. Typically financing may require a down payment between 10-80%.

Yes, you can select a payment plan for an engagement ring if you would prefer to pay it off over time. Review our financing options or contact our customer service team to see which plan might be the right fit for you.

Please contact our jewelry experts and customer service team at 800.691.0952 to assist you.

Whether it’s fine jewelry or an engagement ring, you can explore payment plans that fit your monthly budget. Simply apply for one of our financing plans to discover your best option.



Affirm cannot be combined with any other payment type.

*With Affirm Financing you can choose from multiple monthly repayment plans with starting rates as low as 0% APR for well qualified buyers. Special financing payment plans up to 36-months available. For example, on a $700 purchase, you may pay $63.18 for 12 months with a 15% APR.

It’s quick and easy - just fill out a few pieces of basic information for a real-time decision on the amount of financing you are approved for. Know up front what you'll owe, with no hidden costs.

Your rate will be 0% APR or 10-36% APR based on credit, and is subject to an eligibility check. For example, a $700 purchase might cost $63.25/mo over 12 months at 15% APR. Payment options through Affirm are provided by these lending partners: Options depend on your purchase amount and a down payment may be required.

Apply Online

Step 1: Add your dream jewelry to the cart.
Step 2: Apply for financing at checkout for real-time approval.
Step 3: Choose your payment plan and complete your purchase.

Apply in Store

Step 1: Choose your dream jewelry at the showroom.
Step 2: One of our jewelry consultants can assist you in placing an order with Affirm. You'll receive a text message to apply and complete your loan.

Wells Fargo

*The Wells Fargo Jewelry Advantage® credit card is issued by Wells Fargo Bank, N.A. Special terms apply to qualifying purchases charged with approved credit. Minimum monthly payments are required during the promotional (special terms) period. Interest will be charged to your account from the purchase date at the APR for Purchases if the purchase balance is not paid in full within the promotional period. Paying only the minimum monthly payment will not pay off the purchase balance before the end of the promotional period. For new accounts, the APR for Purchases is 28.99%. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. This information is accurate as of April 01, 2024 and is subject to change.

Apply Online

Step 1: Add your dream jewelry to the cart.
Step 2: Apply for financing at checkout for real-time credit decision.
Step 3: If approved, use The Wells Fargo Jewelry Advantage credit card number to complete your purchase.

Apply in Store

Step 1: Your jewelry specialist will provide you with a QR code link to apply directly from your phone.
Step 2: The showroom team will work with Wells Fargo to confirm your application status.
Step 3: If approved, you’ll sign documents via email within 1-2 days and your order will process.

Payment Options
Checkout With PayPal

Complete your Brilliant Earth purchase using information from your PayPal account.

Checkout With Apple Pay

Complete your Brilliant Earth purchase on our mobile site using your Apple Pay account.

Bank Wire

All US and Canadian orders receive a 1.5% discount with bank wire payment. All Canadian and International bank wire payments are subject to a $35 USD processing fee by Brilliant Earth. An ACH or online bill pay transfer is not the same as a wire transfer payment. Brilliant Earth does not accept ACH transfers as a payment method. After you place your bank wire order, Brilliant Earth will give you the account information you will need to provide to your bank in order to transfer funds from your account directly to a Brilliant Earth account. It may take a few days for your bank to process the bank wire. Once your bank has transferred the funds, Brilliant Earth is immediately notified, you will receive a confirmation, and your order is processed. Order times may vary based on receipt of bank wire payment. If you have any questions about the process involved in a bank wire, contact your bank or call Brilliant Earth at 800-691-0952. Please note: some financial institutions do charge a fee for bank wires; please contact your bank for more information.

Credit Cards

We can only accept US, Canadian, UK, and Australian credit cards online. For other cards, please contact us. Payment declines are common due to the value of purchase. If your payment is declined, we recommend contacting your card issuing bank to determine the reason for the declined message. After you have contacted your bank, you can try to place the order or contact us at 800.691.0952 for further assistance.

Layaway Plans

Brilliant Earth also offers layaway payments for both US and international customers

Sales tax on orders will be calculated based on the tax rate in effect the date your order ships.

Items will be held for up to 12 months from the initial date of sale.

If before the end of the stated layaway period, the goods have for any reason become no longer available in the same condition as at the time of the sale, Brilliant Earth will refund any deposits or payments made under this layaway transaction.

Brilliant Earth layaway purchases require an initial deposit of 20% of the purchase price.

Layaway purchases require a regular minimum payment on the 1st or the 15th of every month after the initial deposit as agreed with the sales representative. Minimum monthly payment is either a) 5% of the total order value or b) $100, whichever is lower in value. Customer may make an additional or larger payment at any time.

Layaway orders must be paid in full within 12 months from the original date of purchase. For orders not paid in full after 12 months, Brilliant Earth reserves the right to discontinue the hold on the layaway merchandise.

The layaway deposit may be refunded or applied toward an exchange item within 30 days of purchase, with the exception of custom designed, custom engraved, modified merchandise, or special orders which are non-refundable and non-exchangeable.

Layaway payments are non-refundable after 30 days from the initial purchase date. Should customer need to cancel their layaway purchase before shipment and after the 30 days from the initial purchase date, a restocking fee of 20% of the full purchase price will be deducted from the amount paid, with the remaining balance to be applied as store credit.

Layaway ring orders, with the exception of custom designed, custom engraved, modified, or special orders which are nonrefundable and non-exchangeable, may be resized within 60 calendar days of the ring being shipped from Brilliant Earth.

Other Options

If you would like to finalize your purchase using multiple credit cards or a combination of payment methods, please call us at 800.691.0952.