The right financial arrangement can totally transform how you look at major purchases. That’s exactly what more buyers have discovered about credit jewelers, which gives you all the benefits of purchasing jewelry on credit with minimal risk.

Maybe you’re in the market for that showstopping engagement ring, or you’re just ready to reward yourself with something shiny after a long period of work.

We’ve compiled the top benefits of purchasing jewelry on credit, so that none of your questions go unanswered before that next big buy.

1. Sooner than Later

When is the best time to add new jewelry to your collection? The tongue-in-cheek response would be “now!” but there’s some truth to that statement as well. The time value of money is real, as economists have stated in so many ways.

The beauty of financing is the ability to expand your jewelry collection more quickly without running major monetary risks or depleting your bank account in one go. In uncertain economic times, this is a bonus for people of all economic backgrounds.

2. Better on a Budget

If you’re working on a budget for the coming quarter or month, you’ll want to track each individual payment and know exactly what’s expected of you financially.

With credit jewelers offering customized options and fixed monthly payments, you can budget wisely and stay ahead of other financial challenges that might emerge.

3. Amazing Rates

Based on creditworthiness and other factors like promotions, you can lock in credit jewelers rates as low as 10% and below. This means that your monthly payment can be as low as $20 over 36 months or more.

Every situation is different, but it’s always worth running some numbers to see what’s possible with the cash you have on hand.

You may be surprised to discover how much dazzling jewelry you can add to your collection with the power of financing, so why not explore your options? Just keep an eye on rates so you know you’re getting a good deal.

4. Improve Your Credit

It’s never a bad time to improve your credit, so why not raise your credit score by bringing some new jewelry into your collection? The payments are relatively low and it can raise your score by several points before the terms are finished.

If you’ve got your sights set on a bigger purchase like a home or car, building credit with jewelry is a step in the right direction.

5. Get into Good Habits

Speaking of moving in the right direction, credit jewelers encourage you to exercise good spending habits and develop your collection more strategically.

Rather than buying pricey jewelry at full price every time, you can think in terms of the bigger picture and make smarter financial moves all around. Plus, there’s no better feeling than finally paying off some jewelry and owning it 100%, so the process is quite rewarding.

6. Build Trust with Vendors

Trust is everything with credit jewelers and all forms of business, for that matter. If you have an affinity for a particular vendor, there’s no better way to build a positive relationship than by financing some jewelry and becoming a valued customer.

It’s always good to have a vendor you know and trust in the jewlery industry, because you never know when an important purchase must be made! From weddings to birthdays and holidays, you’ll be grateful you have a trusted credit jeweler team in your corner when it matters most.

7. Level Up in Life

Life doesn’t always wait until the perfect moment to present an opportunity. You sometimes need to step into that new role as a spouse, star employee, or make the impression of a lifetime for your business. That might meaning getting jewelry now instead of waiting for years.

Yes, jewelry is a difference maker in how others perceive you, and with credit jewelers you can use this dynamic to your advantage to get to the next level in life - whatever that means to you.

8. Membership Perks

The top credit jewelers are known for dishing out perks like VIP rewards, free gifts, and special discounts for those who get on board with the credit program. If you can’t stand the fear of missing out, this is a sure way to get rid of jewelry FOMO!

Become a member with your favorite credit jewelers and you’ll never miss out on another golden (or sterling silver) opportunity again.

Memberships are generally worthwhile for those who prioritize promos, perks, and cash-saving incentives. Just ask anyone who has enjoyed jewelry for a long time. If you’re not a mamber, you’re likely leaving money on the table.

The Jewelry You Want is Within Reach

The jewelry industry has evolved in many ways, from online storefronts to aftermarkets and high-tech resources. Purchasing jewelry on credit is one recent development you don’t want to ignore.