Brilliant Earth offers a variety of payment and financing options for customers looking to purchase jewelry online.
Recognizing the need for flexibility in payment methods, the retailer aims to accommodate a wide range of budgets and preferences.
You can see Brilliant Earth’s page about financing options here, or we’ll also provide a plain-English summary in this article.
Brilliant Earth Financing Options
When it comes to purchasing jewelry, Brilliant Earth offers several financing options that can help you buy now and pay over time. Here’s a breakdown of what’s available:
Affirm Financing
With Affirm, you have the flexibility to choose from multiple monthly repayment plans. Rates start as low as 0% APR for well-qualified buyers, and you can extend your payments up to 36 months. The interest rates range from 0% APR to 36% APR, depending on your creditworthiness. For example, a $700 purchase could cost $63.18 per month for 12 months at a 15% APR. The application process is quick and easy, with a real-time approval at checkout. It’s important to note that Affirm is only available for U.S. customers, excluding Iowa and West Virginia, and it cannot be combined with other payment methods. Additionally, a down payment may be required based on the purchase amount.
Wells Fargo Jewelry Advantage® Credit Card
Another option is the Wells Fargo Jewelry Advantage credit card, which offers special financing terms. For new accounts, the APR for purchases is 28.99%, with interest charged from the purchase date if the balance is not paid in full within the promotional period. The promotional terms include no interest if paid in full within 12 months, but minimum monthly payments are required during this period. The application process is straightforward, whether you apply online or in-store, with a real-time credit decision. If interest is charged in any billing cycle, the minimum interest charge will be $1.00.
Layaway Plans
Brilliant Earth also offers layaway plans for both U.S. and international customers, allowing you to pay for your jewelry in installments before receiving it. A down payment of 20% of the purchase price is required, with monthly payments being a minimum of 5% of the total order value or $100, whichever is lower. The full amount must be paid within 12 months. If you need to cancel the layaway before shipment, note that after 30 days, payments are non-refundable, and a 20% restocking fee applies if canceled before shipment. Customers can make additional or larger payments at any time, and it’s important to remember that custom designed, custom engraved, modified, or special orders are non-refundable and non-exchangeable.
Brilliant Earth Payment Options
Brilliant Earth provides several payment options to ensure a smooth purchasing experience. You can complete your purchase using PayPal or Apple Pay, which offer secure and convenient payment methods.
Bank Wire
For U.S. and Canadian orders, a 1.5% discount is available if you pay by bank wire. However, international bank wire payments incur a $35 USD processing fee. It may take a few days for your bank to process the transfer, but once the funds are received, Brilliant Earth will notify you and process your order. Be aware that some financial institutions may charge a fee for bank wires, so it’s best to contact your bank for more information.
Credit Cards
Brilliant Earth accepts U.S., Canadian, UK, and Australian credit cards online. For other cards, you’ll need to contact them directly. If your payment is declined, it’s recommended to contact your card issuing bank to resolve the issue before trying again. Credit card acceptance may vary for international orders, so it’s best to confirm with Brilliant Earth directly.
Combination of Payment Methods
If you prefer to use multiple credit cards or a combination of payment methods, you can call Brilliant Earth at 800.691.0952 to arrange this.
Other Things You Should Know About Brilliant Earth’s Financing Options
Brilliant Earth’s financing options offer flexibility, but there are a few unique aspects to be aware of.
Wells Fargo financing and layaway plans can be added to an order retroactively for most payment options. However, Affirm financing cannot be added retroactively.
You can finance engagement rings and other fine jewelry. Putting an engagement ring on layaway ensures it isn’t sold to someone else and comes with no interest charged to you. Typically, a down payment between 10-80% of the ring’s cost is required.
While layaway plans are available to international customers, certain fees and processing times may apply, especially with bank wire payments. Be sure to check for any additional costs or delays that might affect your purchase.
Once your order is placed and processed, Brilliant Earth provides tracking information so you can monitor your shipment. This ensures you know exactly when to expect your beautiful new jewelry.
By understanding these financing and payment options, you can make a more informed decision when shopping with Brilliant Earth. Whether you choose to finance your purchase or pay upfront, there are plenty of options to suit your needs.
Where to apply for Brilliant Earth financing
Learn more and apply at on the Brilliant Earth website here
