Engagement Ring Financing

Engagement Ring Financing Options

An engagement ring is a hugely important purchase(*1), and it’s almost always a hugely expensive one as well. Given that people often refer to the cost of an engagement ring in terms of portions of their salary (“two months’ salary,” and so on), it comes as no surprise that one of the most common questions people have about engagement rings is, “How can I pay for this?” Thankfully, there are a number of engagement ring financing options available to most potential buyers that can help make paying for an engagement ring a somewhat more manageable prospect.

Engagement Ring Financing

You’re probably aware that many brick-and-mortar jewellery stores offer in-house financing. This sort of thing can be a decent option, although it’s always recommended that you make sure you’re familiar with all of your options in this respect, as sellers can vary significantly with respect to interest rates and conditions.

What may come as a surprise is that there are some online retailers that also provide alternative financing options. One of the best-known and most reputable jewellery retailers on the web,*2), offers US customers the option of paying through the Bill Me Later financing service. Bill Me Later is an easy-to-use, convenient option. Basically, all you need to do is register for the service, and purchase your item. You’ll then receive periodic statements, not unlike you would with a credit card, and make your payments.

Jewellery retailers both online and offline will frequently offer promotional periods as an incentive to customers looking for financing. These promotions usually involve initial interest-free periods when making purchases within a certain price range. This type of deal can make it much easier for customers to purchase engagement rings within their means. However, it’s a good idea to go with these promotions only when you’re really certain that you can pay off the balance within the specified period.

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