Mobile Top Button Desktop Top Button

How can we help?

JEWELRY FINANCING

From layaway to payment plans, discover your best option for financing engagement rings, wedding rings, and fine jewelry.

BRILLIANT EARTH FINANCING OPTIONS

Buy now, pay later.

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 18 months*
Minimum
Monthly
Payments
Required
Required
Eligible Customers
U.S. customers only, excluding Iowa and West Virginia
U.S. customers only

NEED FINANCING HELP?

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

Diamond necklaces with diamond bridal set

LAYAWAY
PAYMENT PLANS

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

JEWELRY FINANCING & PAYMENT PLAN FAQ

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.

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 low interest rate or plan to pay in full within 12 months.

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

Your credit will not be affected by your financing plan.

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.

When a certain engagement ring has caught your eye, layaway can be a great option to ensure it doesn’t get bought 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.

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.

TERMS & CONDITIONS

Affirm

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.

Offer is subject to credit check and approval. Minimum monthly payments are required. Financing is available to our US customers only, excluding Iowa and West Virginia. Limited payment plan options are available for purchases under $100. Your rate will be based on credit and is subject to an eligibility check. Payment options through Affirm are provided by these lending partners: www.affirm.com/lenders. 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: Call Affirm to apply for full payment or a down payment. You’ll receive a text message once approved.
Step 3: Complete your purchase with your jewelry specialist at the showroom.

Wells Fargo

*With your Wells Fargo Jewelry Advantage® credit card you can enjoy No Interest if Paid in Full within 18 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.**

**The Wells Fargo Home Projects® credit card is issued by Wells Fargo Bank, N.A., an Equal Housing Lender. 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 (special terms) 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 06/01/2022 and is subject to change. For current information, call us at 1-800-431-5921. Offer expires 11/30/22.

To apply, please click the Apply Now button below. Providing the information in the fields below is optional. The information provided in the fields below will be for Brilliant Earth purposes only, will not be shared with Wells Fargo, and will not impact a credit decision in any way. Please note that by clicking Apply Now, you will be leaving the Brilliant Earth site.

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 March 19, 2020 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 approval.
Step 3: Once approved, use your Jewelry Advantage card number to complete your purchase.

Apply in Store

Step 1: Your jewelry specialist will provide you with a paper application to complete.
Step 2: The showroom team will work with Wells Fargo to confirm your application status.
Step 3: Once approved, you’ll sign documents via email 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 30 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.