Flexible Jewelry Financing Options

Our flexible financing and payment options make purchasing jewelry or an engagement ring easy - on any budget!

Flexible Jewelry Financing Options

Our flexible financing and payment options make purchasing jewelry or an engagement ring easy - on any budget!

HOME / Jewelry Financing

Bailey's Preferred Credit Card

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 jewelry financing options with approved credit from Wells Fargo and Synchrony.

Available for in-store or virtual appointment purchases only.

Affirm*

Pay at your own pace with Affirm

Transparent pricing with monthly payment options from 3, 6 or 12 months. (For example on a $700 purchase, you may pay $63.18 for 12 months with a 15% APR.)
Checking eligibility won’t affect your credit
No late fees or penalties
Select Affirm at checkout, or apply now.

Available for online purchases up to $17,500 with approved credit. *Your rate will be based on credit and is subject to an eligibility check. Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required.

QUADPAY

Pay in 4 installments with Quadpay

No long forms or credit checks required, just instant approval.
The first 25% of your order total is charged at checkout
Pay the rest in equal installments, billed automatically over 6 weeks.
Just select Quadpay at checkout.

Available for online orders up to $1,500

LAYAWAY

You can choose to put your purchase on layaway by putting 20% down and then making equal payments for the following three months. Enjoy zero interest and zero additional charges while on the layaway plan.

Pickup or shipping will be arranged at the time of final payment.

Available for in-store or virtual appointment purchases only.

Wells Fargo Financing

Revolving line of credit that you can use over and over again
Special financing rates (see details below)
Convenient monthly payments to fit your budget
Easy-to-use online account management and bill payment options

The Bailey’s Fine Jewelry American Gem Society credit card is issued with approved credit by Wells Fargo Bank, N.A.

No interest if paid in full within 6 months on purchases over $240 with approved credit

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 Bank, N.A.. 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 05/01/2020 and is subject to change. For current information, call us at 1-800-431-5921.

No Interest if paid in full within 12 months on purchases over $480 with approved credit

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

**The American Gem Society Credit Card is issued by Wells Fargo Bank, N.A.. 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 05/01/2020 and is subject to change. For current information, call us at 1-800-431-5921.

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

***The American Gem Society Credit Card is issued by Wells Fargo Bank, N.A.. 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 05/01/2020 and is subject to change. For current information, call us at 1-800-431-5921.

Apply for Financing with Wells Fargo

Apply online and let one of our consultants know you got the application process started here. Available only for in-store or virtual appointment purchases.

Apply Today

WELLS FARGO FINANCING FAQ

What are the cardholder benefits?

A American Gem Society credit card is an easy and convenient way to pay for your Bailey’s Fine Jewelry purchases. Plus, as a American Gem Society cardholder you can enjoy other great benefits throughout the year, such as:

Special promotional offers where available (see Bailey’s special rates above)
Revolving line of credit that you can use over and over again
Convenient monthly payments to fit your budget
Easy-to-use online account management and bill payment options

What do I need to apply?

Social Security Number
Income information
Email address
Camera enabled smartphone

What if I don't have a smartphone and why am I taking a picture of my ID?

If you do not have a camera enabled smartphone, please visit a Bailey’s location to complete your application.

We ask you for a photo of your ID to help verify your identity. Completing the application will require you to take a photo of the back of your ID using your camera enabled smartphone (we will populate as much information as we can from your ID to expedite the application process)Wells Fargo has a relationship with a leading third party identity verification service to verify your government-issued ID

If my application is approved when will I receive my card?

Once approved, you’ll receive your card in about 7 to 10 business days, and it will be automatically added to your Wells Fargo Online® account.

Visit us in-store, schedule a jewelry appointment or bridal consultation to shop with your American Gem Society credit card.

If my application is approved when will I receive my first billing statement?

Within 45 days after making the first charge to your credit card account. If you’d rather receive Online Statements going forward, choose this option at Wells Fargo Online. If you don’t receive your statement in the mail within 45 days, please contact Wells Fargo at 1-877-805-7744, Monday – Friday, 8:00 am to 6:00 pm Central Time.

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

If you have questions or concerns regarding your Bailey’s purchase, call please contact us.

All inquiries regarding payments should be directed to Wells Fargo at 1-877-805-7744, Monday – Friday, 8:00 am to 6:00 pm Central Time.

Synchrony Financing

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.

Apply for Financing with Synchrony

Apply online and let one of our consultants know you got the application process started here. Available only for in-store or virtual appointment purchases.

Apply Today

SYNCHRONY FINANCING FAQ

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 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, jewelry 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 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 $28 (if you have paid your total minimum payment due by the due date in each of the prior six billing cycles) or $38 (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).

Flexible Jewelry Financing Options