• Financing

Flexible Financing Options

At Bailey’s, we believe that everyone should have the opportunity to own the ring of their dreams, which is why we’re proud to offer customized financing options with approved credit from Wells Fargo and Synchrony Financial. Get the details below!

Wells Fargo Financing

No interest if paid in full within 12 months

Interest will be charged to your account from the purchase date if the purchase balance is not paid within full the promotional period.*

*The American Gem Society Credit Card is issued by Wells Fargo Financial National Bank. Special terms apply to qualifying purchases of $480 or more charged with approved credit. Minimum monthly payments are required during the promotional (special terms) period. Interest will be charged to your account from the purchase date at the APR for Purchases if the purchase balance is not paid in full within the promotional period. Paying only the minimum monthly payment will not pay off the purchase balance before the end of the promotional period. For new accounts, the APR for Purchases is 28.99%. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. This information is accurate as of 10/01/2016 and is subject to change. For current information, call us at 1-800-431-5921. Offer expires 12/31/2016.

No interest if paid in full within 6 months

Interest will be charged to your account from the purchase date if the purchase balance is not paid within full the promotional period.**

**The American Gem Society credit card is issued by Wells Fargo Financial National Bank. Special terms apply to qualifying purchases of $240 or more charged with approved credit. Minimum monthly payments are required during the promotional (special terms) period. Interest will be charged to your account from the purchase date at the APR for Purchases if the purchase balance is not paid in full within the promotional period. Paying only the minimum monthly payment will not pay off the purchase balance before the end of the promotional period. For new accounts, the APR for Purchases is 28.99%. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. This information is accurate as of 10/01/2016 and is subject to change. For current information, call us at 1-800-431-5921. Offer expires 12/31/2016.

Special rate of 9.99% APR with 60 equal monthly payments***

***The American Gem Society Credit Card is issued by Wells Fargo Financial National Bank. Special terms apply to qualifying purchases charged with approved credit. The special terms APR of 9.99% will apply to the qualifying purchase, and 60 monthly payments equal to 2.1465% of the original special terms balance are required. The advertised terms are an estimate assuming required monthly payments are made on the payment due date; no other balances are currently carried or will be carried on the account; and no additional charges are or will be added to the account. Because your annual account activity may be different than the assumptions used, or because of rounding, the number of payments or the final payment amount could be different than the advertised terms. The special terms APR will continue to apply until all qualifying purchases are paid in full. The APR for Purchases will apply to certain fees such as a late payment fee or if you use the card for other transactions. For new accounts, the APR for Purchases is 28.99%. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. This information is accurate as of 10/01/2016 and is subject to change. For current information, call us at 1-800-431-5921. Offer expires 12/31/2016.

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Synchrony Financial

No Interest if paid in full within 6 months (with regular monthly payments)

Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period.*

* No interest will be charged on the promo purchase if you pay the promo purchase amount in full within 6 months. If you do not, interest will be assessed on the promo purchase from the purchase date. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional balance. For new accounts: Purchase APR is 29.99%; Minimum Interest Charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.

No Interest if paid in full within 12 months (with regular monthly payments)

Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period.*

* No interest will be charged on the promo purchase if you pay the promo purchase amount in full within 12 months. If you do not, interest will be assessed on the promo purchase from the purchase date. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional balance. For new accounts: Purchase APR is 29.99%; Minimum Interest Charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.

24 Monthly Payments at 9.99% APR*

* Interest will be charged on promo purchases from the purchase date at a reduced 9.99% APR, and fixed monthly payments are required equal to 4.61% of initial promo purchase amount until promo is paid in full. The fixed monthly payment may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Regular account terms apply to non-promotional purchases. For new accounts: Purchase APR is 9.99%; Minimum Interest Charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.

36 Monthly Payments at 9.99% APR*

* Interest will be charged on promo purchases from the purchase date at a reduced 9.99% APR, and fixed monthly payments are required equal to 3.23% of initial promo purchase amount until promo is paid in full. The fixed monthly payment may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Regular account terms apply to non-promotional purchases. For new accounts: Purchase APR is 9.99%; Minimum Interest Charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.

48 Monthly Payments at 9.99% APR*

* Interest will be charged on promo purchases from the purchase date at a reduced 9.99% APR, and fixed monthly payments are required equal to 2.54% of initial promo purchase amount until promo is paid in full. The fixed monthly payment may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Regular account terms apply to non-promotional purchases. For new accounts: Purchase APR is 9.99%; Minimum Interest Charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.

60 Monthly Payments at 9.99% APR*

* Interest will be charged on promo purchases from the purchase date at a reduced 9.99% APR, and fixed monthly payments are required equal to 2.12% of initial promo purchase amount until promo is paid in full. The fixed monthly payment may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Regular account terms apply to non-promotional purchases. For new accounts: Purchase APR is 9.99%; Minimum Interest Charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.

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Frequently Asked Questions

  • What is the maximum credit line I can receive?

    Qualifying customers will receive an instant approval for up to $20,000 through the Bailey’s program. Should you need more: a Synchrony Financial Analyst will need to review your request. Additional documentation will be required such as 2 year tax returns and proof of income will be required. Processing can take up to 2 business days.

  • Do you offer financing to International customers?

    No. Financing is available to US customers only.

  • How do I increase my line of credit?

    To be considered for a higher line of credit contact Synchrony Financial Customer Service at 866-419-4096. A representative will review your account and determine if all guidelines have been met for your increased credit limit. You will also need to provide a fax number for the documentation.

  • What happens if I pay past the due date?

    Your account is subject to a late payment fee of $25 (if you have paid your total minimum payment due by the due date in each of the prior six biling cycles) or $35 (if you have failed to pay your total minimum payment due by the due date in any one or more of the prior six billing cycles).

  • Is it possible to make payments online?

    Yes. You can make a payment free of charge at the Synchrony Financial website at www.synchronyfinancial.com.

  • Is it possible to make a payment with another credit card?

    No. Payments can only be made with a checking account, savings account, or debit card.

  • If I have questions regarding my purchase, who do I contact?

    If you have questions or concerns regarding your purchase, call 866-725-3111. All other inquiries regarding payments should be directed to Synchrony Financial at 866-419-4096