Flexible Financing
Pay How You Want Let’s get Started. Get Qualified.
So Many Options With so many ways to pay, you can’t go wrong.
Revolving Credit w/ Promo Terms
Marks has teamed up with several of the largest lenders in North America to provide the financing that allows you to get the jewelry you want without compromising your budget. With programs ranging from 12 to 60 months in length and interest as low as 0%, choose the offer that works best for your financial situation.
Retail Loan
Marks teamed with Mariner Finance to offer personal loans with fixed monthly payments and promotional terms, such as same as cash for up to 12 months. With no prepayment penalties and support for less-than-perfect credit, Mariner loans are perfect for one-time jewelry purchases.
Lease-To-Own Lenders
For those who are not interested in a hard credit check, we’ve partnered with Acima to offer a lease-to-own purchase option. With at least $750 income per month and 3 months of income history with your current source of income, you can get approved for up to $5,000 of purchasing power.
Affirm
Buy Now, Pay Later
With a simple and easy no-credit check application, you have the power to choose your payment schedule with no late fees. As with all of the partners Marks Jewelers selects, Affirm’s programs are transparent with zero hidden fees. What you see is what you get when you make a purchase.
PayPal
Buy Now, Pay Later
Integrated into our e-commerce checkout (or with a simple request in one of our stores), utilize PayPal’s “Pay in 4,” monthly, or credit-based programs. With zero sign-up or late fees, PayPal meets Marks Jewelers’ criteria for a company that provides consumer-centric pay-over-time products.
Cryptocurrency
In an ever-evolving financial landscape, cryptocurrencies are gaining popularity and becoming increasingly accessible to all consumers. Whether Bitcoin, Ethereum, Dogecoin, or any of the hundreds of other cryptocurrencies currently supported on Coinbase, we will arrange real-time pricing and allow you to pay for your purchase with the cryptocurrency of your choice for no additional fee.
Marks Preferred Layaway
For our discerning customers who prefer not to engage with one of our lender partners, we offer an in-house Preferred Layaway program. Simply let us know what bi-weekly or monthly payment you are comfortable with, and we will take care of the rest. With no credit check, all of our customers are welcome to take advantage of our Preferred Layaway program.
Not sure which option is right for you? Connect with our finance team to help you decide.
Text NowCompare Financing Options
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| How It Works | Similar to a store credit card. You have a set credit limit, can make multiple purchases, and enjoy special financing promotions like 0% APR for a set time if paid in full. | Take your jewelry home immediately and make regular lease payments over a set period. At the end, you own the item! | Borrow the purchase amount from a lender and repay in equal monthly installments over a fixed term (e.g., 6, 12, or 24 months). | Make a purchase instantly and split payments into smaller installments (often 4–12). Payments can be interest-free or include interest, depending on the plan. | Reserve your jewelry with a deposit and make scheduled payments until it’s fully paid. The item stays in-store until the balance is paid in full. |
| When You Get the Jewelry | Immediately upon approval and agreement. | Immediately upon loan approval. | Immediately upon account approval and purchase. | Immediately upon approval. | After final payment is made. |
| Credit Check Required | Yes, standard credit check required. | Yes, standard credit check required. | No traditional credit check; verification of income/identity is required. | Often soft credit check (does not impact credit score for approval); some longer-term plans may require a hard credit check. | No credit check. |
| Down Payment | No down payment is required unless the approved credit limit is less than the purchase price. | No down payment is required unless the approval amount is less than the purchase price. | Pay a transaction fee at the time of purchase. | Usually first installment due at time of purchase; no large down payment. | Yes, a minimum 30% deposit is required |
| Interest or Fees | Promotional 0% APR available if balance is paid in full within the promo period; otherwise, standard APR applies retroactively. | Fixed interest rate (can be promotional, like 0% APR for a set period, or standard APR). | Typically higher effective cost than traditional loans due to lease fees. | Many plans are interest-free for short terms (e.g., 4-pay); longer terms may have APR similar to credit cards. Late fees may apply. | No interest, but failure to complete payments may result in cancellation and forfeiture of deposit. |
| Term Length | Similar to a store credit card. You have a set credit limit, can make multiple purchases, and enjoy special financing promotions like 0% APR for a set time if paid in full. | Borrow the purchase amount from a lender and repay in equal monthly installments over a fixed term (e.g., 6, 12, or 24 months). | From 3–24 months; it is up to the buyer when they want to pay off the lease. | Make a purchase instantly and split payments into smaller installments (often 4–12). Payments can be interest-free or include interest, depending on the plan. | Flexible, usually 3–6 months. |
| Early Payoff Allowed? | Yes, but paying early only matters if you want to avoid deferred interest charges. | Yes, no penalty for paying early. | Yes, and will save money from future lease fees. | Yes, you can pay off at any time without penalty. | Yes, at any time with no penalty. |
| Best For | Customers who want flexibility for multiple purchases, plan to pay off quickly during promo periods, and value ongoing purchasing power. | Customers who want predictable payments, a set payoff date, and potentially lower interest rates. | Customers with limited or no credit history who want to take the item home right away. | Customers who want quick, easy approval, short-term installment payments, and minimal fees—especially for moderate-sized purchases. | Customers who prefer no credit check, can wait for the item, and want a straightforward, interest-free payment plan. |
| Risk/ Considerations | Failing to pay off during the promo period can trigger retroactive interest from the purchase date. | Missed payments can affect credit score; interest applies if promo terms aren’t met. | Higher total cost compared to loans; must understand lease terms carefully. | Missing payments can incur late fees and harm your credit; longer-term plans with interest can be costly. | You can lose your deposit if you don’t complete payments. |
| Example Scenario | You open a $5,000 revolving credit account, buy a $3,000 bracelet with 12-month 0% APR promo, and pay it off in 12 months to avoid interest. | You finance a $5,000 engagement ring over 24 months with a fixed monthly payment of $231 at 9.99% APR. | You take home a $2,000 ring today and make $100 weekly payments for 5 months until you own it. | You buy a $1,200 pendant through Affirm, paying $200 every month for 6 months at 0% APR. | You choose a $1,000 necklace, put $400 down, and pay $200/month for 3 months before taking it home. |
Find the best payment option for you. Connect with our Experts.
Frequently Asked Questions
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Yes! We offer a variety of financing options to help you achieve your jewelry desires. Whether you’re shopping for an engagement ring, wedding bands, special gifts, or simply treating yourself because you deserve it, we can help you spread payments over time.
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We offer both promotional 0% APR financing and flexible payment plans through trusted third-party lenders for qualified buyers. We also accept major credit cards, cashiers checks, cryptocurrency, and have an in-house layaway program.
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Depending on the program and purchase amount, a down payment may be required. Many of our promotional plans require little to no money down.
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While we offer programs with no minimum purchase requirement, certain promotions and lenders require purchase minimums.
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This depends on which of our financing partners you wish to use for your purchase. While some programs offer prequalification with no impact on your credit score, others perform a credit check as part of the application process, which will appear on your credit report.
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Approval depends on the financing program. Some plans are designed for individuals with excellent credit, while others are suitable for those building or rebuilding their credit.
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We offer special promotional rates, including 0% APR for select terms, as well as standard financing options. Interest rates vary depending on the plan you choose.
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Terms typically range from 90 days to 60 months. We’ll help you choose a plan that fits your budget and your goals.
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No. You can pay your balance in full at any time without penalty.
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Your monthly payment will depend on the purchase amount, term length, and interest rate. We can provide an estimate before you commit.
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Payments are made directly to the financing provider. Most offer convenient online accounts, phone payments, or automatic withdrawals.
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Absolutely. Financing is available for all purchases, including custom designs, repairs, upgrades, and sale items.
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Our standard return and exchange policies still apply. Any financed returns will be processed through your lender.
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Yes! If you’d like to upgrade before your balance is paid in full, we’ll help you apply the value of your current piece toward your new purchase.
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You can apply in-store with a sales associate or online through our secure application link. Approval decisions are typically instant.
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Yes. We highly recommend protecting your jewelry with our service plan in addition to insurance, whether it’s financed or paid in full. Life happens and you want your prized possessions to be cared for.
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For customers who prefer to pay over time without a credit check, we have a layaway program available to everyone. Ask us for details.
Helpful Tip:
Financing can be a smart way to invest in a meaningful purchase without sacrificing your monthly budget or your savings account. We’re here to guide you through every step, answer your questions, and make the process as simple as possible.
“You don’t think about a jewerly store as a support to helping you get to your next chapter. But Marks does that.”
Matthew B. in Montgomeryville, PA
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