Have you ever used a "Pay-in-4" installment plan when shopping for clothes or other goodies? You can do that here, too! Any item under $1000 is eligible to be split up into 4 interest-free, bi-weekly payments that make jewelry shopping easier than ever! You can select this option at checkout.
 
For example, an $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR, or 4 interest-free payments of $200 every 2 weeks.
 
For items over $1000, Shop Pay offers 3, 6, and 12 month financing options. Your credit is not affected by applying, and there are no late fees or early payoff penalties! Interest rates may vary per applicant.
 
 
Pay over time with the American Gem Society Credit Card, issued with approved credit by Wells Fargo Bank, N.A.
 
Special rates are ALWAYS available, so click the button below to submit your application! Upon approval, one of our associates will help you select the perfect jewelry for you or someone special!
 
 
Find something in our selection you can't live without? Visit us in store today to apply for your Synchrony Financing account.
 
Up to 12 months zero interest financing plans are available at all times! Click below to schedule an appointment with us to discuss your options.
 
Financing not in the cards right now? We've got you covered! Carter's Collective offers in-house layaway that allows you to pay on your jewelry for up to 6 months interest-free.
 
Once your item(s) are paid off, we can ship them directly to you or have them ready to be picked up in our gorgeous packaging! Have questions?
 
Additional Information about Shop Pay: Rates from 0%-36% APR. Payment options through Shop Pay Installments, are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. State notices to consumers https://www.affirm.com/licenses.