Financing Options
At Creations Fine Jewelers, we make purchasing fine jewelry and watches more accessible with a variety of financing options tailored to your needs. Whether you're investing in a stunning engagement ring, custom jewelry, or a luxury watch, our flexible payment plans allow you to spread out the cost over time while enjoying your new piece.
Financing Options We Offer
No Interest if Paid in Full (Deferred Interest Plans)
Interest accrues at the regular APR, but no interest will be charged if the purchase is paid off in full within the promotional period.
- Monthly Payments: Minimum payments are required, but paying only the minimum will not pay off the balance before the promotional period ends.
- Avoiding Interest: Pay more than the minimum each month or make a lump sum payment before the promotional period ends to avoid interest charges.
0% APR (Equal Payment Plans)
Make equal monthly payments with a 0% APR over a specified time period, making it easy to manage your budget while enjoying your purchase.
- Monthly Payments: Fixed payments over the agreed period, with 0% interest until the qualifying purchase is paid off.
- Benefits: No interest, just equal, manageable monthly payments.
Special (Reduced) Rate Plans
Enjoy a reduced APR over a specified time period.
- Monthly Payments: Make regular payments with a lower APR than standard credit rates.
- Long-Term Benefit: The special rate continues to apply until the purchase is fully paid off.
Accepted Payment Methods
We also accept a variety of payment methods to make your shopping experience seamless and convenient:
- Affirm: Spread out payments with easy monthly installments through Affirm.
- Apple Pay & Google Pay: Fast and secure payment options right from your smartphone.
- Consumer Bank Cards: We accept all major credit cards for your convenience.
How to Apply
Applying for financing is simple and can be done either in-store or online. Choose the option that best suits you, and let our team assist you through the process:
- In-Store: Our specialists can help you choose the best financing plan for your needs.
- Online: Visit our online financing page to apply online or learn more about available plans.
Get Started Today!
Wells Fargo Financing
Buy today and pay over time with the Wells Fargo Jewelry Advantage credit card, which is issued with approved credit by Wells Fargo Bank, N.A. With approved credit from Wells Fargo, you’ll enjoy:
- Convenient monthly payments
- Flexible financing options
- Easy online account management
Plus, by taking advantage of financing, you won’t use up your existing funding sources, like a home equity line of credit, other credit card or bank account. They’ll still be available when you need them.
Please contact us to find out which financing options are available to you, or to learn about special financing promotions.
Financing Options Disclaimer
The financing options described on this page are intended to provide customers with an overview of available payment plans. Terms, availability, and eligibility may vary, and Creations Fine Jewelers reserves the right to modify or discontinue any financing option at its discretion. This information is provided for general reference only and does not constitute a legally binding offer. Please consult with our expert Advisors or refer to the official terms and conditions for detailed financing information.