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If you’re ready to add to your collection or looking to buy an investment piece, knowing your financing options might get you better rates than those offered by a retail credit card.
These five financing options are a few ways people pay for pricier pieces:
Some financing companies offer small loans or rent-to-own agreements without checking your credit. While this may seem like a convenient option, be cautious: The interest and fees these companies charge can double or even triple the cost of the piece of jewelry you’re buying.
If this is the only type of financing you can qualify for, you might want to hold off and take steps to build your credit and save up instead.
Interest and fees are the two main factors that impact the overall cost of financing a piece of jewelry:
If you can handle the large monthly payments, here are a few times financing an expensive piece of jewelry might be worthwhile:
Financing jewelry is a relatively straightforward process. By comparing personal loans, you may be able to find an option that beats a retailer’s credit card.
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