Quick Answer: How Does James Allen Financing Work?

Does James Allen do financing?

James Allen offers special financing with two different choices.

If you don’t qualify for the financing through Blue Nile and James Allen, the only jewelers you’ll qualify for are going to be ripping you off.

Does James Allen do payment plans?

Payment Options. James Allen offer several payment options for our customers. Among those are wire transfer, personal check, Paypal, certified check or money order, as well as all major credit cards.

Is James Allen good quality?

Excellent experience.

I had an excellent experience ordering an angagenent ring from James Allen, they are the best on the US market. The price and quality are much better than physical stores, the shipping was really fast. I paid with wire transfer and had 0 issues. Definitely will buy again and recommend.

How does ring financing work?

The best financing option

If you can qualify for the 0% deferred financing at the jewelry store AND you can pay off the cost of the engagement ring within the promotional period (usually 12 months), then the 0% deferred financing offer is the best way to finance your ring and pay no interest.

Does James Allen have stores?

Yes! Almost Every ring on the James Allen website is available for purchase, regardless of whether or not you purchase a center diamond from us.

Why are James Allen rings so cheap?

Cheaper prices.

Since James Allen is an online store and does not stock their own diamonds, they save a lot on overhead. This allows them to offer better pricing to customers.

Is James Allen Better Than Blue Nile?

Blue Nile is a good online diamond retailer with large selection and low prices. Blue Nile has a Price Match Guarantee, where they’ll match the price if you find a comparable diamond elsewhere for a lower price. While James Allen offers HD 360-degree videos of every single diamond in its inventory.

Are James Allen rings real diamonds?

Every diamond listed on James Allen is certified conflict free. While their diamond inventory is impressive, they do not slouch on the engagement ring settings either.

Do jewelers have payment plans?

1. Jewelry Store Financing. All major jewelry stores offer financing, with many promoting interest-free financing for 6 to 12 months. But these offers come with a catch: miss a payment or fail to pay off the balance in time, and you’ll pay a lot more.

Are Costco rings good quality?

While Costco may seemingly be selling “high” quality diamonds with good color and decent clarity grades, I can’t say the same in terms of cut quality. When buying diamonds, CUT IS KING. Cut has the biggest impact on a diamond’s beauty and sadly, the cut standard at Costco is mediocre.

What is James Allen true hearts?

True Hearts™ by James Allen

Fewer than 1% of the world’s diamonds have the perfect internal symmetry and proportions necessary to earn the True Hearts™ distinction, making them as exclusive as your love.

What is the best diamond color?

The highest quality diamonds are colorless, while those of lower quality have noticeable color, which manifests as pale yellow in diamonds. The Gemological Institute of America (GIA) grades diamond color on a scale of D (colorless) to Z (light yellow or brown).

Is financing an engagement ring a good idea?

The good news is that having bad credit shouldn’t get in the way of purchasing an engagement ring. It just might make the process a little longer. Many jewelers offer special financing plans for customers with bad credit. Those plans often involve a higher interest rate and less repayment flexibility.

What credit score do you need to finance an engagement ring?

Engagement ring financing with bad credit

With a credit score of 580 or better, you can apply for a personal loan.

Does Financing build credit?

Ensuring consistent timely payments is the most important part of building credit. But as long as you use the credit card some and make regular payments, you’ll start to build credit. From a financial standpoint, only charge to the card small amounts that you can pay IN FULL at the end of every month.

Does James Allen charge tax?

James Allen is a brand of fine jewelry that is trusted by thousands of customers. When buying from James Allen, customers should be aware of the fact that shipping addresses located in Maryland and New York will incur additional sales tax charges, but all other addresses will be free of any sales tax.

Does James Allen take trade ins?

James Allen Trade-Up Guarantee

It is a lifetime upgrade and available on all loose diamonds excluding their setting as long as they were originally purchased from James Allen themselves. It will be exchanged for a credit worth 100% of the original purchase value.

Does James Allen offer a military discount?

Based on our research, it appears that James Allen Diamonds may not offer military discounts at the current time. You may be able to find additional information about James Allen Diamonds’s military discount policies on their customer service page here.