Kendra Scott 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 Kendra Scott’s page about financing options here, or we’ll also provide a plain-English summary in this article.
Kendra Scott Finance Options
Kendra Scott offers several flexible ways to finance your purchase, making it easier to buy your favorite jewelry without paying the full amount upfront. The available options include Afterpay, Affirm, and PayPal, each with its own set of terms and benefits.
Afterpay allows you to split your purchase into four equal, interest-free payments over six weeks. You’ll make a payment of 25% at the time of purchase and then pay the remaining balance in three installments every two weeks. This option is available for purchases between $1 and $4,000. To use Afterpay, you need to be at least 18 years old (19 in Alabama or if you’re a ward of the state in Nebraska) and have a U.S. address. If you’re shopping in-store, you’ll need to download the Afterpay app and set up your payment method in the digital wallet for use at checkout.
Afterpay charges no interest or fees as long as you make your payments on time, but if you miss a payment, you may incur a late fee. For higher-value items, Afterpay offers extended payment plans of 6 or 12 months with interest rates ranging from 0% to 35.99%, depending on your creditworthiness. You can check your eligibility and the terms during checkout.
Affirm offers the flexibility to spread payments over time with monthly installment plans. You can choose to pay every two weeks or opt for 6, 12, or 24-month payment terms. Interest rates vary from 0% to 36%, depending on your credit, and a down payment may be required. Affirm performs a soft credit check that won’t impact your credit score when you apply. There are no late fees, and you can pay off your balance early without penalties. If you need to return an item, any payments you’ve made will be refunded to your Affirm account or the original payment method.
PayPal Pay Later provides two options: Pay in 4 and Pay Monthly. With Pay in 4, you can divide your purchase into four interest-free payments over six weeks, available for purchases between $30 and $1,500. The Pay Monthly option offers 6, 12, or 24-month plans with interest rates ranging from 9.99% to 35.99%, available for purchases between $199 and $10,000. Both options require an eligibility check, and approval is needed to use them.
Kendra Scott Payment Options
Kendra Scott accepts a variety of payment methods to suit different preferences, whether you’re shopping online or in-store. You can pay using major credit and debit cards like Visa, MasterCard, American Express, and Discover. Digital wallets such as Apple Pay and Google Pay are also accepted. If you prefer to use a buy-now, pay-later option, you can choose from Afterpay, Affirm, or PayPal’s Pay Later services, as outlined above.
For in-store purchases, Afterpay users need to download the app and complete a one-time setup to link their payment method to their digital wallet. This makes checkout smooth and quick by simply tapping your phone at the card reader.
Other Things You Should Know About Kendra Scott’s Financing Options
If you’re considering using one of these financing options, keep in mind a few additional points. International shoppers won’t be able to use Afterpay or Affirm, as these are only available to U.S. residents. For international orders, traditional payment methods like credit cards and PayPal are your best bet.
After you place an order, you can track it through your Kendra Scott account or by using the link in your shipping confirmation email. Financing doesn’t impact your ability to track shipments; it works the same way as any other payment method.
In the event you need to return an item purchased with financing, the refund process will follow Kendra Scott’s standard return policy. Afterpay, Affirm, and PayPal will receive notification of your return and adjust your payment plan or issue a refund accordingly. This means you won’t be stuck paying for something you’ve returned, but make sure to review the specific terms of your financing plan for any nuances.
These details should help you decide which financing or payment option is the best fit for your purchase, whether you’re buying a small accessory or splurging on something special.
Where to apply for Kendra Scott financing
Learn more and apply at on the Kendra Scott website here