Shane Co 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 Shane Co’s page about financing options here, or we’ll also provide a plain-English summary in this article.
Shane Co Finance Options
When considering financing options at Shane Co, you have a variety of choices to fit your budget and payment preferences. Shane Co offers several promotional financing plans through TD Bank, N.A., each designed to make your purchase more manageable.
No Interest if Paid in Full within 12 Months
If you pay off your balance within 12 months, you won’t be charged any interest. However, if the balance isn’t paid in full by the end of the promotional period, interest will be charged from the purchase date at a standard Purchase APR of 29.99%. It’s crucial to make more than the minimum monthly payments to ensure you pay off the balance on time and avoid interest charges. The minimum interest charge is $1. Minimum monthly payments are required, but they will not pay off the balance in time. You must make larger payments to avoid interest. The advertised monthly payment, if any, excludes taxes, delivery, and other charges. Prior purchases are excluded.
9.99% APR with 24, 36, 48, or 60 Monthly Payments
Shane Co offers financing plans with a 9.99% APR for 24, 36, 48, or 60 months. The monthly payment is calculated based on the purchase amount and the length of the offer. On-time payments will ensure the balance is paid in full by the end of the term. The advertised monthly payment excludes taxes, delivery, and other charges. Other transactions and charges affect the total monthly payment amount. Prior purchases are excluded.
Shane Co Payment Options
At Shane Co, you have multiple payment options to make your purchase convenient:
You can use all major credit and debit cards, including Visa, MasterCard, American Express, and Discover. Shane Co also offers various financing options through TD Bank, N.A., allowing you to spread out your payments. Additionally, you can use PayPal for online purchases, providing a secure and quick checkout experience. For in-store purchases, bank transfers and checks are accepted, ensuring flexibility in how you pay.
Other Things You Should Know About Shane Co’s Financing Options
When using Shane Co’s financing options, keep in mind a few additional details to ensure a smooth experience:
All financing plans are subject to credit approval. You can prequalify without affecting your credit score, which helps you know your eligibility before applying. If your purchase doesn’t qualify for promotional financing or if you don’t pay off your balance within the promotional period, the standard Purchase APR of 29.99% will apply. This rate is quite high, so it’s beneficial to utilize the promotional periods wisely. There’s a minimum interest charge of $1 for all financing options.
Remember, the minimum monthly payment won’t pay off the balance in time for the no-interest plan, so larger payments are necessary to avoid interest charges. Your account must be in good standing to qualify for promotional financing offers. To avoid interest, you must pay the full promotional balance before the promotional period ends. If you do not, you will be charged interest from the purchase date at the standard Purchase APR. The advertised monthly payment is greater than your required minimum payment and excludes taxes, delivery, or other charges.
By understanding these details, you can make the most of Shane Co’s financing and payment options, ensuring a purchase plan that fits your financial situation.
Where to apply for Shane Co financing
Learn more and apply at on the Shane Co website here
