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| SPECIAL FINANCING2 AVAILABLE with the KAY Jewelers Credit Card |
 Comenity Bank |
 Sterling Jewelers Inc. Serviced by Genesis FS Card Services |
| Regular purchase credit plan No minimum purchase1 |
$0 down payment required | $0 down payment required |
| 36 months special financing $3,000 minimum bridal purchase made with your KAY Jewelers Credit Card5 |
$0 down payment required | $0 down payment required |
| 12 months special financing $500 minimum purchase with your KAY Jewelers Credit Card2 |
Limited Time Offer: $0 down payment required on purchases made 10/12/20-2/14/21 |
20% down payment required Down payment cannot be placed on the KAY Jewelers Credit Card |
Additional Benefits for Kay Customers
1 Minimum payments required each billing period. Interest will apply according to your regular credit terms.
2 Minimum payments are required for each Credit Plan. Valid for single transaction only. If the single transaction has multiple shipments, each shipment may result in a separate Credit Plan, subject to a separate minimum purchase requirement and minimum interest charge.
3 Must have made a purchase in the previous 12 months starting 1 month(s) prior to birthday and card anniversary. Accounts that opened in your birthday month or in the previous month will receive the offer during your birthday month the following calendar year. Account must not be in default. Offer will be received during cardholder birthday and anniversary months. Must have valid email address and U.S. mailing address.
4 Sweepstakes will be offered by Sterling Jewelers Inc (Sterling). Timing will be determined by Sterling, and customers will be informed via email. Must have a U.S. mailing address and a valid email address provided at comenity.net/kay (Comenity Bank) or kay.myfinanceservice.com (other lender). Comenity Bank is not the sponsor nor responsible for the sweepstakes. Any disputes concerning awards or benefits under the sweepstakes will not affect payments or other obligations to the Bank or other lender.
5 Minimum payments are required for each Credit Plan. Valid for single transaction only. If the single transaction has multiple shipments, each shipment may result in a separate Credit Plan, subject to a separate minimum purchase requirement and minimum interest charge. Some merchandise exclusions may apply to bridal purchases. Bridal brands vary by location. See a Jewelry Consultant at your location for qualification details.
Credit card offers are subject to credit approval.
KAY Jewelers Credit Card Accounts are issued by Comenity Bank or other lenders as applicable.
2 Minimum payments are required for each Credit Plan. Valid for single transaction only. If the single transaction has multiple shipments, each shipment may result in a separate Credit Plan, subject to a separate minimum purchase requirement and minimum interest charge.
3 Must have made a purchase in the previous 12 months starting 1 month(s) prior to birthday and card anniversary. Accounts that opened in your birthday month or in the previous month will receive the offer during your birthday month the following calendar year. Account must not be in default. Offer will be received during cardholder birthday and anniversary months. Must have valid email address and U.S. mailing address.
4 Sweepstakes will be offered by Sterling Jewelers Inc (Sterling). Timing will be determined by Sterling, and customers will be informed via email. Must have a U.S. mailing address and a valid email address provided at comenity.net/kay (Comenity Bank) or kay.myfinanceservice.com (other lender). Comenity Bank is not the sponsor nor responsible for the sweepstakes. Any disputes concerning awards or benefits under the sweepstakes will not affect payments or other obligations to the Bank or other lender.
5 Minimum payments are required for each Credit Plan. Valid for single transaction only. If the single transaction has multiple shipments, each shipment may result in a separate Credit Plan, subject to a separate minimum purchase requirement and minimum interest charge. Some merchandise exclusions may apply to bridal purchases. Bridal brands vary by location. See a Jewelry Consultant at your location for qualification details.
Credit card offers are subject to credit approval.
KAY Jewelers Credit Card Accounts are issued by Comenity Bank or other lenders as applicable.