Flexible Jewelry Financing Options

Our flexible financing and payment options allow you to purchase jewelry or an engagement ring on any budget!

Flexible Jewelry Financing Options

Our flexible financing and payment options allow you to purchase jewelry or an engagement ring 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

Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period*
Minimum purchase $240

*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 03/01/2024 and is subject to change. For current information, call us at 1-800-431-5921.

No Interest if paid in full within 12 months

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.**
Minimum purchase of $480

**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 03/01/2024 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 or 12 Months¹

Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within [6/12] months. Minimum monthly payments required.¹

¹No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Accounts as of 7/31/2025: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement 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?

The maximum credit limit varies based on individual qualifications. Qualifying customers will receive instant approval with the Baileys Fine Jewelry Credit Card.

Do you offer financing to International customers?

No, jewelry financing is available to US customers only.

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