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Payments

Choose the
Payment Options to Fit Your Budget

When you find the jewelry design that speaks to you, you have to get it! We offer a variety of payment options that make getting it easy.

Image of Kay Jewelers Credit Card next to solitaire diamond earrings

Special Financing* Plans Regular Purchase Credit Plan**
Take Your Jewelry Home Today
Minimum Purchase Amount As Low as $500 $0
Down Payment 0% - 20% $0
Payment Term (Complete By) 12 OR 36 Months* Revolving
Special Offers and Benefits At KAY    
  • $100 OFF2 Birthday Gift
  • $100 OFF2 Cardholder Anniversary Gift
  • Everyday Free Shipping3
  • $100 OFF4 Twice a Year & Other Exclusive Offers
  • Early Sale Alerts5
  • And More Exclusive Benefits›
Subject to Credit Approval
*, **, 2, 3, 4, 5 See Details


Lease Purchase Program

Progressive Leasing Logo

Buy Now, Pay Later

Affirm Logo
Take Your Jewelry Home Today
Minimum Purchase Amount $300 $150
Initial Payment $79 Depends on Purchase
Payment Term (Complete By) 12 Month Standard Lease with Early Purchase Options Available†† $150 - $400: 6 and 8 weeks
$400+: 3, 6 and 12 months
Credit History Needed§
  • †, ††, §, ◊ See Details

We also accept the following payment methods:

Have a Gift Card? Use it today!

The KAY Jewelers Credit Card

*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.

**Minimum payments required each billing period. Interest will apply according to your regular credit terms.

2Must 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. Minimum purchase required to redeem. See offer for full terms and conditions. Offer will be received during cardholder birthday and anniversary months. Must have valid email address and U.S. mailing address.

3Limited to Standard Shipping (3-5 Business Days) in U.S. and U.S. territories. Benefit only applies for KAY Jewelers Credit Cardholders.

4Must have a valid email address and U.S. mailing address. Account must not be in default. Minimum purchase required to redeem. See offer for full terms and conditions.

5Must have valid email address and U.S. mailing address.

Credit card offers are subject to credit approval.

KAY Jewelers Credit Card Accounts are issued by Comenity Bank or other lenders as applicable.

For other lender Credit Card Accounts, please see your credit card agreement for Account terms, including available credit plans and down payment requirements.

Progressive Leasing

Regular $79 initial payment (plus tax) is charged at lease signing. Remaining lease payments will be determined upon item selection.

††Standard agreement offers 12 months to ownership. Early purchase options cost more than the retailer's cash price (except 3-month option in CA).To purchase early call 877-898-1970.

§No credit needed: Progressive Leasing obtains information from credit bureaus. Not all applicants are approved.

The advertised service is a lease-to-own, a rental or a lease-purchase agreement provided by Prog Leasing, LLC, or its affiliates. Acquiring ownership by leasing costs more than the retailer’s cash price. Leasing available on select items at participating locations only. Not available in MN, NJ, VT, WI, WY.

Affirm

Your rate will be 0% APR or 10–30% APR. For example, a $700 purchase might cost $63.25/ mo over 12 months at 15% APR. Payment options through Affirm are subject to an eligibility check, may not be available in all states, and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. California residents: Affirm Loan Services, LLC is licensed by the Department of Business Oversight. Loans may be made or arranged pursuant to California Financing Law license 60DBO-111681.

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