Kay Jewelers: The Store for Jewelry and Diamonds

Credit Financing Offers


  • No interest on your purchase if paid in full within 12 months.
  • If the purchase balance is not paid in full in 12 months, or if you fail to make any required minimum payment within 60 days of its due date, interest will be charged to your account from the date of purchase at the APR for Regular Purchases (which is 17% to 26.99% depending on the state). See the Regular Card Credit Terms disclosure below.
  • Available only for a total purchase of $500 or more.
  • 20% Down Payment Required.
  • The required minimum payment for the plan is 1/12th of the purchase rounded up to the nearest $5.00, but not less than $40.


  • APR for Regular Purchases: 26.99% APR; except in AL, 21% APR to $750.00, 18% APR over $750.00; in AR, 17% APR; in CO, GA, IN, MS, OK, TN, TX, VT and WY, 21% APR; in DC and MD, 24% APR; in HI, MA, MN and NC, 18% APR; in MI, NY, OH and WV, 24.99% APR; and in NE, 21% APR to $499.99, 18% APR for $500.00 and over.
  • Minimum Interest Charge $1.00, except $0.70 in MI, MO, NY, TN and TX; except $0.50 in AL, AZ, CO, IN, ME, MA, MN, MS, MT, NJ, OK, SC, SD, VT, WV and WY; and no minimum in AR, DC, IA, MD, NE, NM, NC and RI.
  • State dependent terms vary by your state of residence or, for non-US residents, the state in which the account was opened.
  • See the Retail Installment Credit Agreement for additional details.

All accounts are subject to credit approval. We also offer a variety of additional payment options such as: Cash, Check, Visa, MasterCard, Discover, American Express and In-Store Layaway.