Financing your dream ring doesn't have to be a diamond in the rough—let's make it sparkle without the stress.

You've found your one—your dream wedding ring. Your soulmate, your partner-in-crime, now your dream ring. But how do you make it yours without breaking the bank? Here is a guide on how to finance your perfect ring with ease, confidence, and a little bit of style.

Understanding Your Budget

First things first: Set a budget! This is the most important step. Decide how much you're comfortable spending on the ring. Think about your savings, monthly income, and any other financial commitments. Remember, it's all about balance. You want a ring that takes your breath away, but you also need to stay sane financially.

Payment Options for Your Wedding Ring

● Cash or Debit Card: Pay upfront with no interest or monthly payments. Then, you may get a discount for paying in full.
● Credit Card Financing: Learn about credit cards that offer 0% APR on large purchases to break up payments without paying interest.
● Layaway Plans: Make installment payments over time without having to hurry up. A good option in case you're not in any hurry.
● Personal Loans: If you want to borrow more, personal loans are available for a large amount. Make a comparison of the interest rates.
● In-store Financing Plans: Many jewelers come with a fixed monthly payment and low interest rate. Some also propose no interest for 12 months; be sure to check on the terms and conditions carefully!

Jewelry Financing at Rogers & Hollands | Ashcroft & Oak

At Rogers & Hollands & Ashcroft & Oak, we offer layaway plans so that you can pay for the ring installments over time. This is a sure thing, provided you do not need it to be available right away. Read on to learn more about our jewelry financing.

● Rogers & Hollands: $0 Down Payment

With Progressive Leasing, start with as little as $0 down and flexible monthly payments. Pay off your purchase in 6, 12, or 18 months with no interest*. Fast approval and an easy application process make it simple to get the jewelry you love. Just be sure to pay in full within the promo period to avoid interest.
*Interest applies if the balance is not paid by the end of the term. Subject to credit approval.

● Lease-to-Own with No Credit Needed: Progressive Leasing

Progressive Leasing's lease-to-Own program is not based on credit. Flexibility in the payment plan (weekly, biweekly, monthly) is also possible. The checkout decision is instant. No credit is required, but history will be checked, and not all applicants are approved. This is perfect for people who want an easy payment with no credit problems.

● Klarna: Pay in Installments

Pay in 4 interest-free payments or spread payments over up to 24 months. Our options cover purchases from $35 to $10,000. Shop now, pay later—Klarna gives you the flexibility to choose the best payment plan for your budget. No interest if paid within the agreed term. Easy and stress-free financing for your dream jewelry.

How to Manage Payments

● Bargain the Price: Don’t be afraid to haggle! Jewelers often offer discounts if you ask nicely. During holiday sales, you might also be able to get a good bargain.
● Opt for a Smaller Stone or a Dainty Setting: By considering a smaller stone or a thinner band, you can save costs without sacrificing style and elegance.
● Consider lab-grown diamonds: This is not only eco-friendly but also budget-friendly without losing out on beauty and quality.
● Use Your Savings Wisely: If you have been saving up for this moment, consider using your savings account or your emergency fund. However, be sure you still have enough for those other important expenses—the honeymoon!
● Shop During Sales Events: Many stores have seasonal sales events, like Black Friday, Valentine's Day, or Mother's Day. Take advantage of these sales to get more bang for your buck.
● Be Flexible: You don't have to settle for less—think of this as an opportunity to explore alternative styles and settings that can stretch your budget.

Breaking Down Your Payments

Of course, if you go the financing route, calculate what you can comfortably pay each month and how long it will take to pay off. For instance, a $5,000 wedding ring with a 12-month interest-free financing plan means monthly payments of around $417. Easy peasy, right?

The Emotional Side of Financing

While it's exciting to choose your dream ring, remember it's just one part of the big picture of life and relationships. It's OK to adjust plans to fit financial situations. The love story is what matters, not the size of the stone.

Our Best-Selling Wedding Ring Designs on Budget

● Curved Contour Diamond Band 1/5ctw. in 14k White Gold