Our most popular credit option available to you is Affirm. Their "buy now, pay later" model is helpful in knowing exactly what you'll pay each month with no surprises or fees of any kind (not even late fees). It's super simple to use, and financing plans can spread over as long as 36 months, depending on your order value. The primary restriction to Affirm Credit is that they will only finance purchases up to $30,000. Available to U.S. residents only.

To get prequalified, you can click on the Affirm blue button from your checkout page or set up an account directly on Affirm's sign-in page.

Step One: Pick the diamond and setting you like and hit the Affirm button at checkout.

Step Two: Choose how to pay. Select the payment schedule that works for you, then confirm your loan. No hidden fees will ever be charged.

Step Three: Make easy monthly payments. They will even send you reminder emails and texts so you never miss a payment.

Your rate will be 0%-36% APR. For example, a $800 purchase might cost $72.21 over 12 months at 15% APR. Payment options through Affirm are subject to an eligibility check, may not be available everywhere, and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. For licenses and disclosures, see affirm.com/licenses.

Klarna gives you flexible, familiar ways to pay. At checkout you can Pay in 4 interest-free installments, or choose Pay over time to break a bigger purchase into smaller monthly payments over 3 to 24 months.

Benefits

• Pay in 4, interest-free. Split your purchase into 4 payments, collected automatically every 2 weeks.
• Pay over time. Spread the cost over 3 to 24 months, with interest rates from 0.00% to 35.99% APR, starting at 0.00%.
• Pay in 30 days. Shop now and pay up to 30 days later, with no late fees or interest when you pay on time.
• Instant decision. Get an approval decision right at checkout, and pay off the full amount any time without penalty.
• Manage it in the Klarna app. Track payments and get due-date reminders in one place.

How to use Klarna

1. Add your ring to cart and choose Klarna at checkout.
2. Select Pay over time and pick your preferred timeline, then complete the application.
3. Get an instant decision and confirm your purchase.
4. Klarna emails your payment plan when your order ships; remaining payments are collected on schedule.

Who is Afterpay?

• Afterpay lets you shop now and pay over time, giving you the freedom to get what you want today and pay on your own schedule. Choose to pay in 4 interest-free installments over 6 weeks, or pay with flexible monthly installments on larger purchases.
• With transparent spending limits and clear payment dates, there are no surprises, just a smarter, more flexible way to pay.

Benefits:

• Pay in 4, interest-free. Split your purchase into 4 installments with no interest when paid on time.
• Pay Monthly option. Spread larger purchases over monthly installments, with 0% APR available on plans up to 6 months.
• Transparent spending limits. Know exactly what you can spend and when payments are due - no surprises.
• Shop online or in-store. Use Afterpay wherever you shop, including in the Afterpay app.
• Discover more in the app. Explore new brands, trends, and offers right in the Afterpay app.

All major credit cards are accepted. You may use your credit card directly on Rare Carat or through the PayPal gateway. For payments above $15,000, calling your bank (or American Express) ahead of the payment can help avoid declines.

Cash is always a great option, especially for a larger purchase, but not everyone has the amount of cash readily waiting to be spent on a ring. If you've saved up and have the cash available, a well-deserved 'Paid in Full' price break is in order for you! The wire transfer option saves you some money. With a bank wire, we save on credit card processing fees and that savings gets passed on to you. Just click on the 'wire transfer' option at checkout to get started. Wire instructions will be emailed to you once the diamond has been secured by the retailer. We have an orders team on standby for any and all questions pertaining to your order and the checkout process.

Who is Katapult? Katapult has reimagined lease-to-own for the better, with lease-purchase plans designed just for you. There's no credit required, no surprises, and never a late fee, ever. Katapult's technology looks beyond credit scores to understand your journey, opening up new purchasing power. Apply for a Katapult plan now, and in minutes you could be shopping for the essentials you need in-person, online, or with Katapult's app. It's your path from "need" to "own." Available to U.S. residents only. Not applicable in MN, NJ, WI, WY.

What is Lease to Own: Lease to own opens up paths to ownership by enabling recurring payments toward owning goods outright. You have no long-term obligation to continue leasing, and can return the product to Katapult at any time with no further obligation other than for amounts past due.

Lease-to-own gives you the power to purchase what you need when you need it.

Benefits:

• Real purchasing power. Up to $5,000 in lease pre-approval, based on your individual plan.
• Fast approval. Get a decision in 5 seconds or less.
• No credit required. Katapult looks deeper to understand your journey.
• Hyper-flexible purchase plans. Pay over time, purchase anytime.
• No late fees.
• Help when you need it. Award-winning customer service, with 4.4 stars out of 5 on Trust Pilot.

How to Katapult:

• Create your cart.
• Select Katapult on checkout page.
• Apply, verify identity and payment info.
• Receive an instant decision.
• Review and submit your order.
• Look for a welcome email from Katapult.

This is also one of our most popular payment methods. Just select PayPal at checkout to view your specific payment terms and breakdowns!

Read PayPal terms.