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Top No Deposit Buy Now Pay Later Jewelry Stores

You don’t need a special occasion or holiday to buy jewelry. Not even Black Friday or Cyber Monday. It’s a gift that’s designed to keep giving, no matter what or when. From an engagement ring to a spur of the moment rose gold bracelet, each piece represents the many moments in life we all share.

In this post, I’ll share five buy now pay later online jewelry shops offering the very best in fine jewelry, precious gems, and statement pieces for all. I’ll also tell you how Splitit can help you get your jewelry purchase home with easy monthly payments. Hint: you just need a credit card (Visa or Mastercard, if you please).

5 Top Pay Later Jewelry Stores

Looking for loose gems, colorful gemstones, rings and such? These online jewelry shops are sure to please:

Each store offers interest-free jewelry financing through Splitit, a pay later solution that requires no credit check or application. To learn more about what each store offers, keep reading!


Get direct-to-consumer, handcrafted jewelry from GemsNY, a New York City-based wholesale jewelry business. Choose from 50,000+ certified gemstones with savings of up to 70% off retail. With a lifetime warranty and trade up option on all jewelry, it’s worth browsing for your special jewelry find. 

GemsNY specializes in rings, pendants, bracelets, and earrings featuring 100% natural gemstones. For more than 25 years, GemsNY has served jewelry lovers, offering everything from jewelry appraisals to custom pieces.

GemsNY ships globally.

Buy Now Pay Later at GemsNY

77 Diamonds

Maybe diamonds are a best friend to everyone, not just girls. In a world of precious gems, they remain one of the most coveted stones you can buy. Founded by Vadim Weinig and Tobias Kormind in 2005, 77 Diamonds is an established provider of bespoke jewels (the stuff of family heirlooms), and curated collections (the stuff of jewelry legend).

Shop a variety of engagement rings; wedding rings; eternity rings; loose gems; earrings; necklaces; and, of course, diamonds. At 77 Diamonds you’ll get seven guarantees each time you shop.

77 Diamonds ships worldwide.

Buy Now Pay Later at 77 Diamonds

Tether Jewelry

Tether is a provider of high-quality body piercing jewelry. The brand was founded by Paul Shinichi, an 18-year veteran of the body piercing industry. Tether Jewelry seeks to elevate body piercing jewelry options drawing on inspiration from science fiction, machinery, and architecture.

Browse clickers, earrings, and body jewelry or check out Tether’s collections to find just the right look for yourself or someone you love. These pieces are available in an assortment of colors, gauges, and designs.

Tether Jewelry ships globally.

Buy Now Pay Later at Tether Jewelry

James Allen

James Allen is a self-described “diamond bridal jewelry company with a technology soul.” This is evident in its online presentation of magnified 360-degree views of 200,000+ conflict-free diamonds. Just select a piece of jewelry and click on its image to see a rotating, full-circle view. 

James Allen offers a lifetime warranty on its entire inventory of engagement rings, wedding rings, diamonds, and fine jewelry. They offer real-time jewelry inspection online and an impressive education center to help you learn more before you buy.

James Allen ships globally.

Buy Now Pay Later at James Allen


New York City-based Leibish stands out as one of the most dazzling providers of colored gemstones around. Ever heard of an argyle diamond? If it’s intriguing to you, have a look at Leibish jewelry. They offer engagement rings, diamonds, gemstones, and an assortment of earrings, pendants, necklaces, and bracelets.

Want to get up close and personal with these stunning pieces? Take a trip to the vault and learn more about each offering by connecting with a Leibish professional. Be sure to check out the diamond jewelry guides as well. These resources help make a difference when it comes to choosing the best fine jewelry for yourself or a loved one.

Leibish ships worldwide.

Buy Now Pay Later at Leibish

How Splitit Helps You Get the Jewelry You Want Now

If you have a Visa or Mastercard with an available balance to cover the jewelry purchase price, you are approved with Splitit. Splitit will not charge your credit card for the full amount (but it will place a hold). It will honor the schedule of monthly payments you establish at the time of purchase. 

With Splitit, you don’t have to worry about bad credit, complex jewelry financing agreements, or lengthy applications. Want to know more about how it works? Visit our shopper resource page and get active in our online community.

What’s Your Favorite Jewelry Store?

Don’t see your favorite jewelry store on this list? Help us change that! Just contact your favorite online or brick and mortar jewelry store and request Splitit as an alternative payment option at checkout. We are always looking for new stores to partner with to help you live large and shop small.

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


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