We get this question all the time. Does Steven Singer Jewelers offer financing? And the answer is YES! We have a variety of options to choose from. Below is a full breakdown of each of the financing and payments choices we offer so you can decide which is the right option for you!
Forms of Payment
We accept all major credit cards such as Visa, Mastercard, Discover, American Express. You can also checkout with Apple Pay, PayPal, ShopPay, Google Pay, PayPal Bill Me Later, and Gift Cards. Our online financing programs are serviced through Bread Pay™, Pay Over Time with Bread™, and AfterPay which we explain more below.
Bread™ Pay
Bread™ Pay allows approved applicants to make monthly payments for your purchases of $100 or more. Purchase today and pay over time with rates as low as 0% APR for 3, 6, or 12-month loans.* 24 and 36-month financing is available at competitive rates.* Checking if you prequalify is easy and only takes seconds. You can check your rate on certain eligible product pages or at the last step of checkout for qualifying orders. This option is available online or in our physical showroom.
First name, last name, email, and full SSN are required. Bread Financial™ is committed to keeping your information secure and uses their technology to encrypt your personal data. Bread Pay™ Installments and SplitPay are available on purchases of $100 or more.
*Availability to terms may vary based on purchase price and/or product. Down payment may be required. Subject to approval of credit application. Rates range from 0% to 29.99% APR, resulting in, for example, 36 monthly payments of $32.26 at 9.99% APR, per $1,000 borrowed. APRs will vary depending on credit qualifications, loan amount, and term. Bread Pay™ loans are made by Comenity Capital Bank, a Bread Financial™ Company.
Please note, your financial institution may charge you one or more non-sufficient funds or overdraft fees if any loan payment exceeds your account’s available balance. If you pay with a credit card, your credit card issuer may charge interest and/or fees.
Afterpay
Afterpay allows approved applicants to make up to 12 monthly payments. APR is calculated based on the consumer and rates will be provided if you are approved. You may qualify for 6 month or 12 month financing for purchases between $400 and $4,000.
You also have the option to Pay-in-4. This is an interest free option where you pay 4 bi-weekly installments on purchases between $1 - $2000.
Afterpay options are only available with online purchases.
Wells Fargo
Wells Fargo financing options are available exclusively for in showroom purchases. Wells Fargo requires applications to be filled out in person and a copy of a valid and current government issued ID is required. We offer interest-free as well as other financing options through Wells Fargo. Please note we do not have control over the approval of the application and approval is through Wells Fargo and based on individual(s) credit.
Layaway
We also offer up to a 90-day interest free layaway program. This can be done over the phone or in our showroom. We just need half of the purchase value down to pull the item from our inventory and continuous consistent payments, meaning payments weekly or monthly. We are here to help you with the piece of jewelry of your dreams and will work with you on the best payment plan that fits your needs. The item must be paid in full before it is able to leave our store or get shipped out.
Please contact us for any additional questions! Our team of experts are always here to help!
