Financing
Jewelry Financing
Looking to buy an engagement ring or fine jewelry on a budget? At Bailey’s Fine Jewelry, we offer flexible financing options to help make your dream purchase affordable. Whether you're shopping for a diamond engagement ring, a luxury timepiece, or a meaningful gift, our financing plans make it easy to pay over time.
We proudly partner with Wells Fargo Jewelry Financing and Synchrony to provide secure, convenient payment solutions tailored to your budget. With approved credit, you can enjoy low monthly payments, special promotional offers, and fast approval processes.
Shop now, pay later. Bailey’s Fine Jewelry makes it simple to invest in the piece you love, without the financial stress.
Financing Options
Layaway
You can choose to put your purchase on layaway by putting 20% down and then making equal payments for the following three months. Enjoy zero interest and zero additional charges while on the layaway plan. Pickup or shipping will be arranged at the time of final payment.
Available for in-store or virtual purchases only.
Bailey's Preferred Credit Card
At Bailey’s, we believe that everyone should have the opportunity to own the ring of their dreams, which is why we’re proud to offer customized jewelry financing options with approved credit from Wells Fargo and Synchrony.
Available for in-store or virtual purchases only.
Affirm
Transparent pricing with monthly payment options from 3, 6 or 12 months. Available for online purchases up to $17,500 with approved credit. *Your rate will be based on credit and is subject to an eligibility check. Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required.
Available for online purchases only.
Quadpay
Pay in 4 installments with Quadpay
No long forms or credit checks required, just instant approval. The first 25% of your order total is charged at checkout. Pay the rest in equal installments, billed automatically over 6 weeks. Just select Quadpay at checkout.
Available for online orders up to $1,500
WELLS FARGO FINANCING
- Revolving line of credit that you can use over and over again
- Special financing rates (see details below)
- Convenient monthly payments to fit your budget
- Easy-to-use online account management and bill payment options
No Interest if Paid in Full Within 6 Months
Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period*
Minimum purchase $240
*The American Gem Society credit card is issued by Wells Fargo Bank, N.A.. Special terms apply to qualifying purchases of $240 or more charged with approved credit. Minimum monthly payments are required during the promotional (special terms) period. Interest will be charged to your account from the purchase date at the APR for Purchases if the purchase balance is not paid in full within the promotional period. Paying only the minimum monthly payment will not pay off the purchase balance before the end of the promotional period. For new accounts, the APR for Purchases is 28.99%. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. This information is accurate as of 03/01/2024 and is subject to change. For current information, call us at 1-800-431-5921.
No Interest if paid in full within 12 months
Interest will be charged to your account from the jewelry purchase date if the purchase balance is not paid in full within the promotional period.**
Minimum purchase of $480
**The American Gem Society Credit Card is issued by Wells Fargo Bank, N.A.. Special terms apply to qualifying purchases of $480 or more charged with approved credit. Minimum monthly payments are required during the promotional (special terms) period. Interest will be charged to your account from the purchase date at the APR for Purchases if the purchase balance is not paid in full within the promotional period. Paying only the minimum monthly payment will not pay off the purchase balance before the end of the promotional period. For new accounts, the APR for Purchases is 28.99%. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. This information is accurate as of 03/01/2024 and is subject to change. For current information, call us at 1-800-431-5921.
WELLS FARGO Financing FAQ
A American Gem Society credit card is an easy and convenient way to pay for your Bailey’s Fine Jewelry purchases. Plus, as a American Gem Society cardholder you can enjoy other great benefits throughout the year, such as:
- Special promotional offers where available (see Bailey’s special rates above)
- Revolving line of credit that you can use over and over again
- Convenient monthly payments to fit your budget
- Easy-to-use online account management and bill payment options
- Social Security Number
- Income information
- Email address
- Camera enabled smartphone
If you do not have a camera enabled smartphone, please visit a Bailey’s location to complete your application.
We ask you for a photo of your ID to help verify your identity. Completing the application will require you to take a photo of the back of your ID using your camera enabled smartphone (we will populate as much information as we can from your ID to expedite the application process)Wells Fargo has a relationship with a leading third party identity verification service to verify your government-issued ID.
Once approved, you’ll receive your card in about 7 to 10 business days, and it will be automatically added to your Wells Fargo Online® account.
Within 45 days after making the first charge to your credit card account. If you’d rather receive Online Statements going forward, choose this option at Wells Fargo Online. If you don’t receive your statement in the mail within 45 days, please contact Wells Fargo at 1-877-805-7744, Monday – Friday, 8:00 am to 6:00 pm Central Time.
If you have questions or concerns regarding your Bailey’s purchase, please contact your preferred Bailey's Fine Jewelry location.
All inquiries regarding payments should be directed to Wells Fargo at 1-877-805-7744, Monday – Friday, 8:00 am to 6:00 pm Central Time.
SYNCHRONY FINANCING
No Interest if paid in full within 6 or 12 Months*
Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within [6/12] months. Minimum monthly payments required.*
*No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Accounts as of 7/31/2025: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
SYNCHRONY FINANCING FAQ
The maximum credit limit varies based on individual qualifications. Qualifying customers will receive instant approval with the Baileys Fine Jewelry Credit Card.
Your account is subject to a late payment fee of $28 (if you have paid your total minimum payment due by the due date in each of the prior six billing cycles) or $38 (if you have failed to pay your total minimum payment due by the due date in any one or more of the prior six billing cycles).
Yes, you can make a payment free of charge at the Synchrony website at www.synchronyfinancial.com.
No, payments can only be made with a checking account, savings account, or debit card.
No, jewelry financing is available to US customers only.
All inquiries regarding payments should be directed to Synchrony at 866-419-4096.
"I LOVE this company! They consistently have a balance of classic and edgier pieces. The level of customer service you receive is top notch."
"After searching several of the ‘big name’ jewelry stores … I found the 10‑year anniversary ring of my dreams for a way better price.… could not be happier!!"
"Amazing staff, never pressured or rushed to make a sale. Will definitely be using them in the future."