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Jewelry Financing

FLEXIBLE PAYMENT OPTIONS

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

Round Brilliant

The round brilliant cut diamond is the most popular diamond shape, because if it has been cut properly it will tend to have more sparkle when observed by a human eye.

round diamond will give you a nice balance between its clarity, color, and cut while still producing a top notch fire and brilliance.

Princess Cut

Princess cut is the most popular non-round shape. Princess cuts are square in shape and have pointed corners. They offer a unique look and a brilliance that will blow you away.

When purchasing a princess cut make sure the length to width ratio is as close as possible if going for a perfect square look.

Cushion Cut

Cushion shapes have rounded corners and are "pillow-looking". They are often referred to as a "pillow cut". They are very elegant, modern, and youthful.

Pear Shape

Like all fancy cut diamonds, the pear diamonds comes in a variety of proportions, however the preferred length-to-width ratio should be between 1.50-1.65. Examine the point for inclusions and color concentration.

The wing on each side of the point should be symmetryical. The rounded end should appear like a semi-circle. As with the oval and marquise, the pear brilliant may show a "boe tie".

If a prong setting is chosen, it should include a V-shaped prong at the point because that will help protect it from damage.

Oval Shape

Ovals have the added benefit of appearing larger because of their elongated shape. When selecting an oval diamond, look for even, well-rounded shoulders. Your personal preference will likely decide which width of oval is more appealing, however the optimal length-to-width ratio is 1.33-1.66:1.
Oval cut in the brilliant style displays a brightness similar to round brilliant cut diamonds. Oval brilliant cut diamonds often display a "bow-tie". Seen with the naked eye, this is a dark area which looks like two triangular pieces joined in the center of the stone.
When the diamond is viewed face-up, you the "bow-tie" to be minimized as much as possible.

Emerald Cut

Emerald cut offers rectangular facets, which create a unique optical appearance. They offer have large see-through tables thus they highlight the clarity of a diamond more than other diamond shapes.

Marquise Shape

Symmetry is an important factor for all fancy cut diamonds. Even the smallest difference can create an appearance that is not balanced. Check that each half is a mirror image of the other, and for marquises that the two points align.
Like oval, this shape pairs well with other gem shapes in multi-stone rings, and if a prong mounting is chosen, V-shaped prongs will help protect the points. If a marquise shape is too long, it could impact its durability.
Look for a length-to-width ratio of 1.75-2.25. Like the oval, the marquise diamond cut in the brilliant style should be examined for a "bow-tie" effect, and the points of the marquise should be examined for inclusions.

Brilliant Earth Financing Options

buy now, pay later

Financing for Engagement Rings, Wedding Rings & Jewelry

Minimum Monthly Payments

Up to 36 months with rates as low as 0% APR*

No interest if paid in full within 12 months*

Payment Plans

Payment Plans

Required

Eligible Customers

U.S. customers only, excluding Iowa and West Virginia

U.S. customers only

NEED HELP FINANCING?

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

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Flexible Payment Options

many options to choose from
PAYPAL

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

APPLE PAY

Use your Apple Pay account to complete your purchase on our mobile site.

BANK WIRE

Bank wires are available for all orders over $500 USD.

CREDIT CARDS

We accept all major credit cards, inclusing Visa, Mastercard, and American Express.

As the global leader in responsibly sourced fine jewelry, Brilliant Earth is proud to offer our entire collection of jewelry and lose diamonds to customers all over the world. Learn more

Contact Us

EMAIL

Need assistance? Drop us a line and we'll make sure you're taken care of.

CHAT

Get 24/7 support when you live chat our jewelry specialists.

CALL

We're always game for a good old fashioned phone call at (858) 230-7042.

Round Brilliant Designs

Round Brilliant

ROUNG BRILLIANT CUT

Round Brilliant

ROUNG BRILLIANT CUT

Round Brilliant

ROUNG BRILLIANT CUT

Round Brilliant

ROUNG BRILLIANT CUT

Round Brilliant

ROUNG BRILLIANT CUT
Round Brilliant Designs

Round Brilliant

ROUNG BRILLIANT CUT

Round Brilliant

ROUNG BRILLIANT CUT

Round Brilliant

ROUNG BRILLIANT CUT

Round Brilliant

ROUNG BRILLIANT CUT

Round Brilliant

ROUNG BRILLIANT CUT

Jewelry Financing & Payment Plan FAQ

How does financing a ring works?

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.

Can you finance an engagement ring?

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.

What credit score do you need to finance jewelry?

Please contact our jewelry experts and customer service team at (858) 230-7042 to assist you.

Does financing a ring affects credit?

Your credit will not be affected by your financing plan.

What is layaway?

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.

Can I put an engagement ring on layway?

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.

How much is a down payment on an engagement ring?

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%.

Can you do a payment plan for an engagement ring?

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.

Can you pay for jewelry monthly?

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

ethically sourced
WELLS FARGO

*With your Wells Fargo Jewelry Advantage® credit card you can enjoy 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.****

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 09/30/22.

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

We take precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline. Wherever we collect sensitive information (such as credit card data), that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a closed lock icon at the bottom of your web browser, or looking for “https” at the beginning of the address of the web page. While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information. The computers/servers in which we store personally identifiable information are kept in a secure environment.

If you feel that we are not abiding by this privacy policy, you should contact us immediately via telephone at (858) 230-7042 or via email at williamandsonsjewelers@gmail.com

• 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 (858) 230-7042 for further assistance.

layway 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 (858) 230-7042.

Round Brilliant Designs

Round Brilliant

ROUNG BRILLIANT CUT

Round Brilliant

ROUNG BRILLIANT CUT

Round Brilliant

ROUNG BRILLIANT CUT

Round Brilliant

ROUNG BRILLIANT CUT

Round Brilliant

ROUNG BRILLIANT CUT
Round Brilliant Designs

Round Brilliant

ROUNG BRILLIANT CUT

Round Brilliant

ROUNG BRILLIANT CUT

Round Brilliant

ROUNG BRILLIANT CUT

Round Brilliant

ROUNG BRILLIANT CUT

Round Brilliant

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