Industry Information

Does Kay Jewelers Finance?

kay jewelers ring boxDeciding to propose is very exciting, just as planning a wedding is, but both an engagement and a wedding often costs a lot of money. If you are living on a very tight budget, then there is a really good chance that you are unable to afford to pay upfront for an engagement ring for her – there is also the wedding bands, as well as the wedding, that needs to be paid for. Financing is often the perfect option for people looking to get married, but who are unable to afford to pay for the jewelry they require for both their proposal and the wedding in one setting. Kay Jewelers has recently introduced a new financing option that offers customers the ability to purchase the diamond jewelry they need and get up to 12 months to pay for these beautiful pieces of jewelry.

Kay Jewelers is just one of the many jewelry brands that have introduced a financing option to help their customers gain access to quality pieces of jewelry, without having to spend thousands of dollars at once. Instead, the customer can buy jewelry and pay a monthly installment over a certain period of time to help make the jewelry they wish to buy obtainable for them.

kay jewelers cardKay Jewelers financing option is backed by Comenity Bank in most cases, but, depending on the customer’s credit profile, an alternative financing institute, such as Genesis, may also be utilized instead. Customers interested in this financing option from Kay Jewelers can visit the brand’s official website and navigate to the financing page. Here, the customer can fill out a simple form in order to get prequalified for credit. Once prequalified, they can complete their application and submit the required documentation to get a final approval.

Upon a final approval and signing a contract, a customer is presented with a Kay Jewelers Credit Card. The credit card will contain the total amount of credit that the customer was approved for – which is stated on the contract they have signed. The card can then be used to purchase jewelry without having to pay any upfront fees. It should be noted that a minimum purchase amount is required and the customer needs to make minimum monthly installments in order to maintain their creditworthiness at Kay Jewelers.

Mary Turner


With experience dating back to when brick and mortar was the ONLY source for shopping for diamonds, I have countless men find the perfect diamond for that special occasion. As your Personal Diamond Consultant, I'm here to make sure you end up with the perfect stone.

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