James Allen Financing / Credit Card

James Allen have many options for buying the ring of her (or your) dreams, and it’s very common to utilise a financing option for a significant purchase like an engagement ring. If you want to find out about all the different financing options, click here.

James Allen financing

We’ve also written a detailed James Allen review here if you want some further reading.

James Allen Payment options

Before we look at James Allen’s financing options, it’s worth nothing that James Allen accept payments by the below methods. You can read more on their FAQs page here (scroll down to the bottom)

  • All major credit cards
    • including Visa, MasterCard and American Express
  • Pay Pal
  • Wire transfer
    • If paying by bank wire, you’ll get a 1.5% discount on your purchase.
    • Once you select the bank wire option, contact your bank to wire the money, and once James Allen has received the payment, your order will be processed. This may take a few days to go through depending on your bank.
    • Something to note is that there might be a fee from your bank for the wire
  • James Allen financing
    • James Allen also offers a line of credit through TD Bank. This is similar to a credit card, with regular monthly payments required. Read more here.

Read related article: James Allen sales tax

James Allen financing / credit line

James Allen’s credit line works similarly to a credit cart, but can only be used with James Allen.

james allen credit card

As it works like a credit card, it means that you have to jump through the same hoops as you would when applying for a credit card.

Advantages of the James Allen credit line are:

  • It’s a revolving line of credit, which means that you can use it for future purchases
  • You can buy jewelry with 0% down
  • They offer an online portal to manage you account
James Allen financing features

What are the James Allen financing conditions?

To qualify for credit to purchase James Allen jewelry, you must be:

  • Resident of the US
  • Aged 18
  • Making a purchase of more than $2,000
  • Subject to credit approval

Read related article: James Allen return policy

What are the rates for James Allen financing?

The headline rate for James Allen is 9.90% APR with 24 monthly payments.

However, this can depend on your personal circumstances and for some new accounts it may be as high as 29.9%.

If you have any questions on this, it’s a good idea to contact James Allen directly, click here.

How you can avoid paying interest with James Allen financing

James Allen financing offers a 6 month promotional period, which means that if you pay off your balance within this period, you don’t have to pay any interest on the purchase.

However, something to know is that Interest will be charged to your account from the purchase date. If the purchase balance is not paid in full by the end of the promotional period, you will be charged interest payments from the original date of purchase.

Where to apply for James Allen financing

You can learn more and apply at the dedicated financing page on the James Allen website:

James Allen financing option