Early payoff depends on the provider and product (installment vs. lease-to-own). See the specific terms shown in your offer.

How do returns work with financing?

Our 30-Day Returns policy applies. Refunds are issued to the original payment method after inspection; the provider adjusts your plan per their terms.

Flexible Payments

Financing with Brilliant Diamonds

Q: Where do I apply for financing?

Apply during Checkout. Add items to your cart, proceed to payment, and select a financing option if available.

Q: Is financing available for custom designs?

Often yes—financing can be available at checkout for custom orders.

Split your purchase into manageable payments right at checkout. Real-time offers are shown based on your cart and eligibility—full transparency before you agree.

Finance with Affirm Lease with Katapult

Financing options appear during Checkout. Terms and availability are provided by the financing partner and may vary by customer and cart.

How It Works

Add to cart any ring or jewelry you love.
Go to Checkout and select a financing/payment plan if available (e.g., Affirm installments or Katapult lease-to-own).
Apply in seconds and review your offer details (payment schedule, any APR/fees, and total cost) before you proceed.
Complete your order. We’ll craft/ship your piece per our Shipping & Packaging guidelines.

Approval isn’t guaranteed. Financing is subject to eligibility and provider terms. Questions? Contact us.

Affirm — Pay Over Time

See personalized installment options at checkout. You’ll review the total cost, your schedule, and any APR or fees before you accept.

Soft credit check to show eligibility; decision in seconds (provider discloses details).
Plans commonly range from 3 to 36 months (varies by eligibility and cart).
No hidden fees; clear terms from Affirm at checkout.

Exact terms (length, APR, payment amount) are shown by Affirm during checkout.

Katapult — Lease-to-Own

A flexible lease-to-own path that may be offered at checkout. You’ll see lease cost, schedule, and early purchase options right in the application flow.

Fast application and instant decisions.
Flexible payment schedules with auto-pay.
Early purchase options may reduce your total cost.

All lease terms and options are displayed by Katapult at checkout.

What You’ll See at Checkout

Estimated payments based on your cart total.
Term length & schedule (e.g., monthly, bi-weekly).
Total cost, including any interest/fees for your offer.
Provider disclosures and legal terms before you agree.

Brilliant Diamonds doesn’t control approvals or provider decisions. Need guidance? We’re here to help.

FAQs

Financing FAQs

Where do I apply for financing?

In the Checkout flow. Add items to your cart, proceed to payment, and select a financing option if available.

Will checking my options affect my credit score?

Providers typically use a soft inquiry to show eligibility, and may use a hard inquiry if you accept an offer. You’ll see the exact disclosure in the provider’s checkout flow.

Can I pay off early?

Early payoff is provider-specific. Affirm usually allows early payoff without prepayment penalties; Katapult offers an early purchase option. See your offer for details.

How do returns work if I financed my purchase?

Our standard 30-Day Returns applies. Refunds go to the original payment method after inspection; your plan is adjusted by the provider per their terms.

Is financing available for custom designs?

Often yes—options can appear at checkout for custom orders. Start here: Custom Engagement Ring Designs.

*“As low as 0% APR” may be available for eligible customers on select terms and purchases; not available in all states or for all carts. “No credit needed” does not mean no credit check; approval not guaranteed and additional conditions may apply. See provider disclosures at checkout.

Ready to explore payment options?

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