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7 Top US Buy Now Pay Later Engagement Ring Stores

Maybe you’ve had your eye on something different, like a swan ring or a halo ring. Perhaps you want a traditional diamond ring or a unique colored gemstone. Whatever you choose for your beloved partner, looking for just the right ring takes time, and paying for it doesn’t have to be stressful. 

Let’s face it, weddings can be as costly as they are beautiful and while you can’t put a price on the memories you’ll create, it’s helpful to have a pay later option up your sleeve. The ability to make monthly payments on the perfect engagement ring means you can get what you really want without blowing your budget.

In this post, we’ll share one major tip for buying the perfect engagement ring, explain how buy now pay later shopping works, and list some of the best buy now pay later wedding ring stores around.

The Number One Thing to Remember When Shopping for Engagement Rings

Yes, there are a million things to think about when you are shopping for engagement rings or wedding rings, but the best thing to remember is your budget threshold. Determine a range for what you want to pay so you can:

  • Save time by focusing only on engagement rings in your price range
  • Avoid going into unplanned debt from your wedding ring purchase
  • Find stores that will cater to the price point you’ve set

Knowing up front what you want to pay can help keep you centered as you shop. Need more tips? We’ve put together a few more things for you to consider when making such a life-changing purchase. You can read them all here.

The Brilliance of Buy Now Pay Later Wedding Rings

When you already know what you plan to pay, you’re an empowered shopper. Yet, using a buy now pay later solution for your engagement ring purchase may give you the option to extend your budget a bit more without added financial stress.

Here’s a scenario to consider:

Say you’ve decided that your budget for a new engagement ring is a range of $1500 to $2500, but after browsing through hundreds of rings you’re not satisfied with the options. If you increase your budget by $500, you may begin to see exactly what you’ve been hoping for.

If you intend to pay for the engagement ring up front with cash or a debit card, you’ll have to stick to your original budget, but if you decide to make monthly payments over time, you get instant flexibility. When you choose Splitit at checkout, all you need is a credit card (Visa or Mastercard) and enough available credit to cover the purchase.

What happens next? We’re glad you asked:

  • You’ll choose your monthly payment terms, such as $250 a month
  • Splitit won’t charge the full balance up front, but will preauthorize it to ensure on-time payments (the full amount of the purchase will no longer be available on your card)
  • Splitit will only charge your credit card once a month for the amount you set, and over time, your balance will shrink to free up your available credit
  • When the credit card balance from the purchase is paid in full, your commitment ends (and you’ll be ready to Splitit again!)

If other jewelry stores required a lengthy credit application or a complicated layaway plan that turned you off, Splitit might be just right for you. 

First, there is no need to fill out an application that’ll hit your credit report. Next, you can skip the worry about financing options and APR because you’ll get a 0% rate for the length of your agreement. That means no finance charges, no late fees, and no deposits or down payments. 

With Splitit, you can get the engagement ring or wedding ring you want for the one you love without the extra hassle. Brilliant, yes?

Now, let’s shop!

Check Out These Buy Now Pay Later Wedding Ring Shops

We’re pleased to offer these Splitit-enabled shops for your browsing pleasure. When we partner with businesses, we choose to work with those that have an excellent reputation in the marketplace.

The seven stores that follow offer high-quality options for engagement rings and wedding rings. Some feature customizing tools and multiple color choices and settings. For your shopping pleasure, we offer

Read about each store to learn more about what they offer and please visit each site to get more details or interact with customer service reps to get your questions answered.

Who says you can’t design your own engagement ring online? Not James Allen. Choose your setting and stone on your own or browse the customer inspiration gallery to get ideas. Founded in 2006 and located in the heart of New York’s diamond district, James Allen offers designer rings from fine jewelry makers such as Verragio and Danhov and provides 360-degree, high-definition views of their gems up close and personal.

The self-proclaimed “Diamond Bridal Jewelry Company With a Technology Soul” gives you access to more than 200,000 certified, conflict-free diamonds, diamond experts, and provides free, worldwide shipping.

Shop James Allen

New York City-based Leibish invites you to “make rainbows jealous” with its innovative mix of colors and styles. If you are searching for an engagement ring that’s out of the box (literally), you must take a look. From pink to argyle diamonds, you’re guaranteed to find the perfect engagement ring as unique as your love story.

When you shop online at Leibish you’ll get free worldwide shipping, dedicated customer service, and a 100% money back guarantee if you’re not satisfied. And, just in case you’re still in research mode, check out the Leibish Engagement Rings 101 knowledge center.

Shop Leibish

Diamonds Mine designs and creates every ring in-house so if you’re looking for custom engagement rings at a great price, take a good look at this family-owned business. It’s run by a husband and wife team passionate about the intricate details of each piece.

Diamonds Mine allows you to create a custom design or choose an inspired engagement ring or wedding band for your special someone. When you shop with them you’ll get a lifetime warranty, a 100% money back guarantee, and 24/7 customer service to help you make the right choice. Diamonds Mine is based in New York and Ramat Gan, Israel and offers free, global shipping.

Shop Diamonds Mine

Since 2008, New York-based Brillianteers has provided stunning fine jewelry. They offer hundreds of designs featuring natural diamonds that are affordable and independently certified. They specialize in engagement rings and have a wide selection of bridal sets to complement your special day.

Brillianteers staffs all customer service professionals with certified jewelers ready to answer your questions and guide your purchase. They offer free sizing, no hassle 30-day returns, and free global shipping.

Shop Brillianteers

Since 2006, Maison Gemperles has been known for high-end pearls and original diamond and gemstone creations. In addition to France and Italy, the store has several bases of global operation and draws on the strength of artisans from diverse backgrounds.

From stunning diamonds to colorful gems, Gemperles offers engagement rings and an array of fine jewelry at affordable prices. They offer worldwide shipping, and a satisfaction guarantee just in case you don’t fall in love with what you purchased. 

Shop Gemperles

If you want luxury at wholesale prices, be sure to browse through PrimeStyle. Shop diamond engagement rings and bridal sets at up to 50% off retail. Since 1999, PrimeStyle has helped over 750,000 customers find the jewelry of their dreams. You’re next!

Choose 100% natural diamonds sourced directly from PrimesStyle and receive a 30-day money back guarantee and free appraisal. PrimeStyle ships globally.

Shop PrimeStyle

Friendly Diamonds Logo

Friendly Diamonds is a customer-driven jewelry brand based in New York committed to creating the ultimate jewelry experience allowing you to select from 200+ designs while browsing through a vast range of certified lab diamonds and obtaining a gemologist’s opinion on shortlisted options. The brand allows its customers to customize their jewelry to the last detail while achieving great value for money. Every diamond sold is an eco-friendly lab grown diamond ethically sourced in labs that maintain the highest ecological standards. With an aim to provide budget-friendly solutions, Friendly Diamonds ensures you create or find the perfect engagement ring and other diamond jewelry pieces at the best possible prices without compromising on quality.

Shop Friendly Diamonds

What’s Your Favorite Jewelry Store?

If your favorite jewelry store isn’t on our list, you can help us change that! Simply reach out to them and request Splitit as an alternative payment option at checkout. We are actively expanding our innovative buy now pay later technology to more fine jewelry stores. Help us to help others buy the engagement ring they want while sticking to the budget they desire.

If you are a jewelry retailer, be sure to check out our Ultimate Guide to Luxury and Selling Jewerly Online.

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