Jewelry Financing Options


At Helzberg, we're happy to provide you with multiple jewelry financing options to help you buy that perfect piece: the Helzberg Diamonds credit card, a Helzberg private account, our layaway program, and Progressive leasing. Find out which is best for you!

Helzberg Diamonds Credit Card

Helzberg Financing Offers and Extended Care Plans

Cardholder Benefits include:

  • Expanded Buying Power: Enjoy a reserved line of credit for those important occasions when you need additional buying power.
  • Special Financing: All purchases are eligible for 6 months special financing.
  • Exclusive Offers: Become eligible to receive special offers that are exclusive to Helzberg Diamonds Credit Cardholders.
  • Free Shipping: Helzberg Diamonds will ship your purchase anywhere in the U.S. at no charge.
  • Advance Notice of Special Events: Receive announcements of special jewelry events and new jewelry arrivals.
  • Instant Account Information: Obtain up-to-date account information online or by phone at 1-866-435-7906.
Promotional Plan Offers

6 Months

No Interest if paid in full in 6 months with any purchase.*


Interest will be charged to your account from the purchase date at your Standard APR of 24.9%-26.9% if the purchase balance is not paid in full in 6 months.

12 Months

No Interest if paid in full in 12 months with any purchase of $749 or more.*


Interest will be charged to your account from the purchase date at your Standard APR of 24.9%-26.9% if the purchase balance is not paid in full in 12 months.

36 Months

7.99% APR and Equal Payments for 36 months on purchases of $799 or more.**

Even More Benfits

$50 OFF

Get $50 off any purchase of $249.99 or more on your birthday.†

FREE GIFT

Enjoy a free jewelry gift on the first year anniversary of your membership!†

EXCLUSIVE OFFERS

Get early announcements on special events and sales.†

OTHER FINANCING OPTIONS


Helzberg Diamonds Private Account

rings
Price Lock Layaway

Price Lock Layaway

No approval process. No finance charges. Lock in a price and name your layaway amount.

Progressive Leasing

No Credit Needed Program

No credit? No problem. We'll help you get that ring of your dreams. Questions about a No Credit Lease? See your store or call 1-877-898-1970

*Lease-purchase not available in MN, WI, NJ.

IMPORTANT DISCLOSURES

*6, 12, & 18 month financing offers available on approved purchases made on the Helzberg Diamonds Credit Card issued by Capital One, N.A. Minimum payments of the greater of $25 or 2.5% of the purchase required. Your account must be open and current to be eligible for these offers. Eligible purchases will incur no interest if paid in full in the time period specified from date of purchase. If purchase balance is not paid in full, interest will be charged to your account from the purchase date at your Standard APR (24.9% - 26.9%) and regular minimum payments apply. Your penalty APR is 28.9% - 29.9%. Minimum Interest Charge: $2. Subject to credit approval; based on your creditworthiness, some options may not be available and other terms may apply.

**7.99% APR and Equal Payments for 36 months: Minimum $799 purchase required. Offer available on approval purchases of $799 or more made on the Helzberg Diamonds Credit Card issued by Capital One, N.A. Subject to credit approval; For best qualified customers based on your creditworthiness, some options may not be available and other terms may apply. Your account must be open and current to be eligible for this offer. For eligible purchases, the purchase amount is divided into 36 monthly payments of 3.15% of the purchase price and will be assessed a 7.99% APR until paid in full. The estimated Minimum Payment (where advertised) is based on the product and purchase price shown, excluding taxes and applicable fees. The amount of your total minimum payment may change if you make additional purchases or have other account balances. Monthly payments will never be less than $25 and may increase due to any late payment fees. Standard APR is 26.9%. Penalty APR is 28.9% - 29.9%. Minimum Interest Charge $2.

†Discount offers may be redeemed on any approved jewelry or watch purchase when using the Helzberg Diamonds® Preferred Card in store or online. May not be used on Wow items, Limited Edition items, trade-ins/break-ups or pre-owned purchases; clearance; care plans; repairs; appraisal services; Swarovski®; Royal Asscher®; Crisscut®; loose diamonds in the Create Your Own Helzberg Diamond Ring™ feature; seasonal I AM LOVED® bear; customer appreciation certificates; and Helzberg Diamonds® gift cards. Cannot be combined with any other offer, including military discount, watch discount, or credit card reissue offer. Offer has no cash value and cannot be used as payment on account for past purchases. Void if copied, transferred or sold through online auction. Birthday offer will be sent approximately one month prior to cardholder's birth date or following the birth date if the date is within six weeks of approved application. Birthday and cardholder anniversary offers will be available to qualified cardholders up to 395 days following date of approval. Free gift must be redeemed in store.