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Best Ways to Finance an Engagement Ring

Updated on October 22, 2014

Get Easy Financing for your Engagement Ring

Are you hoping to get engaged soon but don't have all of the money you need to buy her that ring? Every groom-to-be wants to surprise their girl with the ring of her dreams, and anything less just won't do. But what to do when the time is right but the funds are just not there?

While there are no bank loans for engagement rings, luckily there are options out there to finance the ring of her dreams. Whether you are looking for store credit, a no-interest credit card, or an easy payment plan, follow along to see your options.

Put an Amazon Ring in your cart and then see how to get 12-month Financing with the Amazon credit card Store Card

Get up to 12 months to pay

Buy your engagement ring on and take advantage of up to 12 months of financing on purchases over $599 with the Amazon Store Card.

See the huge selection of engagement rings from top jewelers on

Many top notch jewelers - from New York's 47th street to Los Angeles Mark Broussard studio - use as the online arm of their business. And since there is no overhead when they sell online, and no store associates to pay, you can often get better deals when you buy your engagement ring on Amazon.

Find the best personal loan for your engagement ring. Click below to apply now.
Find the best personal loan for your engagement ring. Click below to apply now. | Source

Take a Personal Loan - Find a small loan lender and get engaged!

Thinking of taking a personal loan to pay for an engagement ring or even your wedding? There are many banks out there that offer small personal loans up to $35,000. can match you up with the best one for your needs, with the terms that are right for you.

Why would you opt for a personal loan over store financing? While many jewelers offer interest free financing when you purchase using their credit cards, beware of late fees and excessive penalties once the interest-free period is up. If you do not pay your ring off in full in the 3 or 6 months you face high interest charges and penalties. A personal loan is a better option if you know you will need more than 3 or 6 months to pay off your ring purchase.

Answer a few easy questions about your finances and get connected with multiple personal loan lenders through at the link above.

Blue Nile Credit card financing
Blue Nile Credit card financing

Blue Nile Credit Card

Up to 12 Months Interest Free Financing

Blue Nile is one of the most well known online diamond retailers, and for good reason. With their huge diamond database, dazzling setting options, fantastic customer service, and better-than-retail prices, Blue Nile set the standard for buying diamonds online. Thousands of satisfied customers sing their praises online and off, with reviews you can read on and off their site.

Blue Nile's credit card offers another great value to their customers. With up to 12 months to pay in full without interest on rings of $1,500 or more (6 months for rings under $1,500), online account management, and no annual fee, this credit offer will help you get that ring on her finger in no time.

Another great option available through the Blue Nile card is the option to set up equal payments. If your ring is over $4,000 you have the option to make up to 48 months of equal payments on it without interest charges. But watch out - if you forget to make one of those payments interest charges will apply.

See for yourself why Blue Nile is a favorite for online ring shoppers. Check out recently purchased rings at Blue Nile here.

Engagement ring financing options
Engagement ring financing options

James Allen Flexible Financing

Get your Approval in seconds...and your ring just days later!

Renowned online jeweler James Allen offers an immediate credit approval which will allow you to design and receive your ring just days after you complete their credit application.

Their 6-month financing will buy you more time to pay off your ring before interest charges are assessed. In addition to this credit offer, shopping at James Allen puts a wealth of benefits at your fingertips - literally. Including their:

  • 60-Day Return Policy
  • Lifetime Warranty
  • Free Shipping and Free Returns
  • Lifetime Warranty and Upgrade Policy

Plus, with James Allen you can view photos of actual diamonds and examine them up close with their patented "virtual loupe" technology. Also, view GIA certificates for each stone online so you know exactly what you are getting.


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