Financing & Payment Options
Make it yours
Flexible financing & payment options
Fine jewelry is an investment in the moments that matter most. Choose the way to pay that fits you best — interest-free installments, lease-to-own, or promotional financing. Each option and its terms are explained below.
Ways to finance your purchase
Shop Pay Installments
Powered by Affirm · Pay over time
Split your purchase into 4 interest-free payments, or choose monthly installments for larger orders. Select Shop Pay at checkout to see the options you qualify for. The 4-payment plan has no interest; longer monthly plans may carry interest depending on the terms you're offered.
Disclosure
Rates from 0%-36% APR. Payment options through Shop Pay Installments, are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. State notices to consumers https://www.affirm.com/licenses.
Progressive Leasing
Lease-to-own · No credit needed
A flexible lease-to-own option with flexible payment schedules and an early-purchase option that can lower your total cost. No credit history is required to apply, though Progressive obtains information from consumer reporting agencies. Not all applicants are approved.
Important: Progressive Leasing is a lease-to-own agreement — not a loan, credit, or financing. Acquiring ownership by leasing costs more than the retailer's cash price, and can cost more than double the cash price.
Disclosure
Your lease is with Progressive Leasing, not Solomon Jewelers. The advertised service is a lease-to-own or rental-/lease-purchase agreement (or, in certain states, a rent-to-own agreement, consumer rental-purchase agreement, or lease agreement with an option to purchase) provided by Prog Leasing, LLC, or its affiliates. It is not a loan, credit, or financing. While no credit history is required, Progressive Leasing obtains information from consumer reporting agencies in connection with lease applications. Not all applicants are approved. An initial payment is required at lease signing. Acquiring ownership by leasing costs more than the retailer's cash price (except in the case of an early purchase option). Leasing is available on select items at participating locations only and is not available in Alaska, Hawaii, Minnesota, New Jersey, Vermont, Wisconsin, or Wyoming. Learn more at progleasing.com.
Synchrony financing
Promotional financing · Credit card
Pay over time with promotional financing on qualifying purchases, made with a credit card issued by Synchrony Bank. Subject to credit approval. Promotional offers and terms are confirmed at the time of purchase.
Disclosure
Promotional financing is available on qualifying purchases made with a Synchrony Bank credit card — a credit card issued by Synchrony Bank, not in-house financing — subject to credit approval. Minimum monthly payments are required. The available promotional offer and its terms, including the length of the promotion and any minimum purchase, are provided at the time of purchase. New accounts as of 7/31/2025: Purchase APR is 34.99% and the Penalty APR is 39.99%; minimum interest charge is $2. Existing cardholders should see their Credit Card Account Agreement for applicable terms. Credit is extended by Synchrony Bank.
All accepted payment methods
Frequently asked questions
What's the difference between financing and lease-to-own?+
With financing (Shop Pay Installments or a Synchrony credit card), you're borrowing and may owe interest depending on the plan. With Progressive Leasing, you're entering a lease-to-own agreement — it's not a loan or credit, no credit history is required, and acquiring ownership through the lease costs more than the cash price. Each option's full terms are in its disclosure above.
How does Shop Pay Installments work?+
Shop Pay Installments lets you split your order into 4 equal interest-free payments due every two weeks, or into monthly installments for larger orders. Select "Shop Pay" at checkout and choose your plan. The 4-payment option has no interest and no hard credit check; monthly installment plans may carry interest (0%-36% APR) based on the terms you're offered.
Is there a minimum purchase for financing?+
Shop Pay Installments is available on qualifying orders starting at $50. Synchrony promotional financing and Progressive Leasing have their own qualifying amounts, confirmed at checkout or at application. For in-store options on larger purchases like engagement rings or custom designs, contact us or ask when you visit.
Can I use financing on custom jewelry?+
Yes. For custom ring designs and larger commissions, we offer flexible payment options. Contact us to discuss the details before your consultation.
Is my payment information secure?+
Absolutely. Our store is built on Shopify, which uses industry-standard SSL encryption. We never store your card details. All payments are processed securely through Shopify Payments or your chosen payment provider.
Questions about financing?
Our team is happy to walk you through all available options — especially for engagement rings and larger purchases.