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Jewelry & Engagement Ring Financing

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Helzberg Diamonds credit card?

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Jewelry Financing & Leasing Options

At Helzberg, we specialize in creating moments that last a lifetime. We can help you find the perfect piece, and you can choose the payment option that lets you take it home today. Find out which is best for you!

Helzberg Diamonds
Credit Card

  • Deferred financing plans*
  • Cardmember exclusive benefits
  • Issued by Comenity Bank
  • Apply & buy online or in-store

Helzberg Diamonds
Private Account

  • Revolving line of credit
  • Serviced by Genesis
  • Apply online now and purchase at your nearest store

No Credit Needed

  • Instant Decision
  • Flexible Payments
  • Apply online now and purchase at your nearest store
  • Not available in MN, WI, NJ, VT, WY

Easy Installment Plans

  • Get real time decision in just a few steps
  • Make easy monthly payments over 3, 6, 12, 18 or 24 months
  • Checking your eligibility won't affect your credit score
  • Apply now and buy online

Helzberg Diamonds Credit Card

The Helzberg Diamonds Credit Card offers exclusive cardmember benefits. Plus, zero down payment, and no annual fee1.

Apply Now

Special Financing Options On purchases made with a Helzberg Diamonds Credit Card

6 Months

No Interest If Paid Within Full In 6 Months on Purchases of $499 or More.

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

12 Months

No Interest If Paid In Full Within 12 Months on Purchases of $999 or More.

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

18 Months

No Interest If Paid In Full Within 18 Months on Purchases of $3,999 or More.

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

36 Months

9.99% APR for 36 months. After that, variable purchase APR of 27.74% on purchases of $2,999 or more made with your Helzberg Diamonds Credit Card.***

60 Months

9.99% APR for 60 months. After that, variable purchase APR of 29.24% on purchases of $3,999 or more made with your Helzberg Diamonds Credit Card.**

Important Disclosures

1 Click Here for important rate, fee, and other cost information. For new accounts, as of May 1, 2020 Variable Purchase APR of 27.74% based on the Prime Rate. Minimum Interest Charge is $2 per Credit Plan.
2 Offer will be received with your new credit card welcome package.
3 Offer will be received the month of your birthday. Minimum purchase required. See offer for full terms and conditions. Must have valid email address and U.S. mailing address. Accounts that opened in your birthday month or in the previous month will receive the offer the following calendar year. Account must not be in default. Not available on existing accounts.
4 Offer will be received between October 1 and December 31. Minimum purchase required. See offer for full terms and conditions. Must make a purchase in the previous 12 months. Must have valid email address and U.S. mailing address. Accounts that opened between October 1 and December 31 will receive the offer the following calendar year. Account must not be in default.
5 Spend $2,999 or more in a calendar year on qualifying purchases made with your Helzberg Diamonds Credit Card, minus returns, to upgrade to Platinum status. To maintain this status, a customer must spend $2,999 or more in a calendar year on the Helzberg Diamonds Credit Card. Once achieved, Platinum tier status will continue through the end of the following calendar year. For full terms and conditions see comenity.net/helzberg.

*6 Months Deferred Interest, Payment Required. No Interest if paid in full within 6 months. Interest will be charged to your Account from the purchase date if the promotional plan balance is not paid in full within the promotional period. Minimum payments are required for each Credit Plan. The sum of the required payments each billing period won’t be less than $35 (or Account balance if less). Minimum payments are NOT guaranteed to pay the promotional plan balance within the promotional period. You may have to pay more than the minimum payment to avoid accrued interest charges. Some balances may be paid off before the promotional period ends. Your minimum payment may be higher than if you did not select promotional financing. Valid for single transaction only. Subject to credit approval. As of May 1, 2020, terms provided for New Accounts: Variable Purchase APR of 27.74% or the purchase APR applicable to your account. Minimum interest charge of $2 per Credit Plan in any billing period in which interest is due. Existing Cardholders: see your credit card agreement for Account terms. Helzberg Diamonds Credit Card Accounts are issued by Comenity Bank.

**12 Months Deferred Interest, Payment Required. No Interest if paid in full within 12 months. Interest will be charged to your Account from the purchase date if the promotional plan balance is not paid in full within the promotional period. Minimum payments are required for each Credit Plan. The sum of the required payments each billing period won’t be less than $35 (or Account balance if less). Minimum payments are NOT guaranteed to pay the promotional plan balance within the promotional period. You may have to pay more than the minimum payment to avoid accrued interest charges. Some balances may be paid off before the promotional period ends. Your minimum payment may be higher than if you did not select promotional financing. Valid for single transaction only. Subject to credit approval. As of May 1, 2020, terms provided for New Accounts: Variable Purchase APR of 27.74% or the purchase APR applicable to your account. Minimum interest charge of $2 per Credit Plan in any billing period in which interest is due. Existing Cardholders: see your credit card agreement for Account terms. Helzberg Diamonds Credit Card Accounts are issued by Comenity Bank.

***36 Months Low APR, Equal Payment. See plan disclosures for details. 9.99% APR for 36 months. After that, variable purchase APR of 27.74%. Interest will be charged to your Account from the purchase date at the reduced APR. Minimum payments are required for each Credit Plan. The Minimum payment for this Credit Plan will be an amount equal to a percentage of the promotional purchase amount, which percentage will be based on the reduced APR and the length of the promotional period, rounded up to the nearest $1 (minimum $5. The sum of the required payments each billing period won’t be less than $35 (or Account balance if less). Minimum payments are NOT guaranteed to pay the promotional plan balance within the promotional period. You may have to pay more than the minimum payment to avoid paying interest at the purchase APR. Some balances may be paid off before the promotional period ends. Your minimum payment may be higher than if you did not select promotional financing. Valid for single transaction only. Subject to credit approval. As of May 1, 2020, terms provided for New Accounts: Minimum interest charge of $2 per Credit Plan in any billing period in which interest is due. Existing Cardholders: see your credit card agreement for Account terms. Helzberg Diamonds Credit Card Accounts are issued by Comenity Bank.

Credit card offers are subject to credit approval.
Helzberg Diamonds Credit Card Accounts are issued by Comenity Bank.

◇Service described is a rental – or lease-purchase program provided by Progressive Leasing, LLC or its affiliates. 90-day payment option includes the initial payment. Payoff after 90 days is determined by individual state law. Not all applicants are approved. See lease for details.