Made with Love
FLEXIBLE FINANCING

Pay over time without surprises.

Most of our customers finance at least part of their purchase. We partner with three lenders to offer 0% APR for qualified buyers (6, 12, or 24 months) plus extended-term options for larger projects.

Applications take three minutes and a soft credit check that doesn't affect your score. Approval usually comes back the same day — pre-approve before you visit so we can spend your time on the ring, not paperwork.

PLAN OPTIONS

Pick the one that fits.

0% APR 6 months: best for purchases under $3,000 you'll clear quickly. 0% APR 12 months: most common for engagement rings — even monthly payments, no interest if paid in full on time. 0% APR 24 months: for higher-value custom and engagement pieces over $5,000. Extended 36-60 months: standard interest rates apply, useful for very large or multi-piece projects. We'll walk you through the math so you pick the right fit.

REAL EXAMPLES

Three concrete scenarios, with the math.

Engagement ring at $4,800: 12-month 0% APR plan = $400/month, no interest if paid off on time. Custom anniversary band at $1,800: 6-month 0% APR = $300/month. Multi-piece project at $15,000: 24-month 0% APR = $625/month, or a 60-month standard rate at roughly $285/month at 9.99% APR. We'll show you the math side-by-side at the consultation so you pick the plan that actually fits your budget — not the one with the lowest monthly payment that costs more long-term.

FINANCINGQUESTIONS

WILL APPLYING
AFFECT MY CREDIT?

The pre-qualification is a soft pull — no impact on your credit score. Only when you accept an offer does it become a hard pull, which most people see a 5-10 point temporary dip from. Paying on time builds your score back up and beyond.

The pre-qualification is a soft pull — no impact on your credit score. Only when you accept an offer does it become a hard pull, which most people see a 5-10 point temporary dip from. Paying on time builds your score back up and beyond.

WHAT CREDIT
DO I NEED?

Our lenders approve customers across a wide range — there's no single cutoff. Higher scores get better terms (longer 0% windows). If one lender declines, our system tries the next two automatically. We've seen approvals down to FICO 580 on shorter terms.

Our lenders approve customers across a wide range — there's no single cutoff. Higher scores get better terms (longer 0% windows). If one lender declines, our system tries the next two automatically. We've seen approvals down to FICO 580 on shorter terms.

ARE THERE
PREPAYMENT PENALTIES?

No. Pay off any of our partner financing early without penalty. In fact, paying off a 0% APR plan early protects you from the deferred-interest trap if you'd otherwise miss the final payment date.

No. Pay off any of our partner financing early without penalty. In fact, paying off a 0% APR plan early protects you from the deferred-interest trap if you'd otherwise miss the final payment date.

WHAT IF I
MISS A PAYMENT?

On 0% APR plans, missing the final payoff date triggers retroactive interest on the full original amount. So if anything stretches the payoff timeline, refinance into a longer-term plan or pay it down faster — don't drag your feet. Our team can help if you're approaching the deadline.

On 0% APR plans, missing the final payoff date triggers retroactive interest on the full original amount. So if anything stretches the payoff timeline, refinance into a longer-term plan or pay it down faster — don't drag your feet. Our team can help if you're approaching the deadline.

BookAppointment

Your perfect ring starts here. Book an appointment for expert guidance, personalized service, and a stress-free experience

In-store jewelry consultation at Bravo Jewellers
Bravo Jewellers storefront
In-store jewelry consultation at Bravo Jewellers

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.