Grown Brilliance 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 Grown Brilliance’s page about financing options here, or we’ll also provide a plain-English summary in this article.
Grown Brilliance Finance Options
Grown Brilliance offers a couple of flexible financing options to help you spread out the cost of your jewelry purchase. Whether you’re looking for a traditional financing plan or prefer a lease-to-own solution, they provide options that can fit a range of budgets and credit histories.
Affirm Financing
Affirm Financing is the more traditional route, where you can make monthly payments over 3 to 36 months. Interest rates start as low as 0% APR, so depending on your credit, you could finance your purchase without any interest charges. However, rates can go up to 15% APR, so it’s important to check your terms. For example, a $2,000 purchase could cost about $69.57 per month over 36 months at a 15% APR. Affirm offers an instant decision on your loan application without affecting your credit score, allowing you to proceed with your purchase right away. Do note that Affirm is available only to US customers and may not be accessible in all states.
Katapult Lease-to-Own
For those who don’t have credit or prefer a different option, Katapult offers a lease-to-own plan. This service doesn’t require a credit check and provides approval within just a few seconds, with pre-approval limits up to $3,500. You can customize your payment plan and pay over time, and Katapult never charges late fees, making it a flexible option if you’re looking to manage your purchase over time. Like Affirm, Katapult is only available to US customers.
Grown Brilliance Payment Options
When it comes to payment, Grown Brilliance provides a wide variety of methods for your convenience. They accept all major credit cards, including Visa, Mastercard, Discover, and American Express. However, if your purchase exceeds your card’s credit limit or if the card is declined for any reason, the order will automatically be canceled, and you’ll receive an email notifying you of the issue.
For those who prefer digital wallets, Grown Brilliance also offers options like PayPal, Venmo (mobile checkout only), Apple Pay, and Google Pay. These services can provide an extra layer of security and convenience, especially if you don’t want to enter your credit card information directly on the site.
If you’re making a larger purchase of $500 or more, you have the option of paying by bank wire transfer. Once you place your order, Grown Brilliance will provide you with the bank details needed to complete the transfer. The transfer process can take a few days, depending on your bank. Additionally, some banks may charge a fee for wiring funds, so it’s worth checking with your bank beforehand. This payment method is available only to US customers.
International Payment Options
For international shoppers, Grown Brilliance supports localized payment methods tailored to specific countries. These include major credit cards, Klarna, PayPal, Apple Pay, and Google Pay, with options shown at checkout based on your location. The company uses a Delivered Duty Paid (DDP) system, which means that the price you see at checkout includes all applicable duties, taxes, and shipping charges. This eliminates any surprise costs upon delivery, so what you see is truly the total cost.
Other Things You Should Know About Grown Brilliance’s Financing Options
It’s important to remember that both Affirm and Katapult financing options are only available to US customers. If you’re an international customer, you won’t be able to use these financing methods, but you can still take advantage of the localized payment options available in your country. For these international payments, prices are displayed in local currency, and all taxes, duties, and shipping fees are included in the final price.
Once your payment is processed, Grown Brilliance will send you tracking information so you can follow your order’s journey until it arrives at your door. This allows you to stay informed about when your item will be delivered.
Lastly, while Katapult offers flexibility with its lease-to-own option, it’s worth noting that you won’t officially own the jewelry until all payments are completed. Be sure to review the terms carefully if you decide to go with this option, as it’s slightly different from traditional financing.
Where to apply for Grown Brilliance financing
Learn more and apply at on the Grown Brilliance website here
