Can you Finance Engagement Rings
When it comes to proposing, finding the perfect engagement ring is just one part of the journey—how to pay for it is another. If you're asking yourself, "Can you finance engagement rings?" the answer is yes. And at Nazar’s & Co. Jewelers, we believe that purchasing the ring of your dreams should feel exciting, not overwhelming.
Whether you're shopping for a classic solitaire or designing a one-of-a-kind custom piece, financing allows you to invest in quality and craftsmanship—without compromising your budget. In this blog, we’ll explore how engagement ring financing works, what to consider, and how Nazar’s & Co. Jewelers can help make your moment truly unforgettable.
Why Consider Financing an Engagement Ring?
1. Access to Higher Quality and Customization
Financing opens the door to choosing the ideal ring without sacrificing style, craftsmanship, or diamond quality. Instead of limiting yourself to what you can pay upfront, financing gives you flexibility—especially if you're interested in:- Larger carat weight or higher clarity diamonds
- Designer collections or branded styles
- Custom jewelry creation tailored to your partner's style
2. Budget-Friendly Monthly Payments
Rather than making a large lump-sum payment, financing allows you to spread out the cost of the ring over time, often with low or even zero interest options depending on the terms. This means you can plan your proposal without the stress of depleting savings.How Engagement Ring Financing Works
1. Apply for Credit or Financing In-Store
Most fine jewelers—including Nazar’s & Co. Jewelers—partner with financing providers to offer installment plans or special financing promotions. The process usually includes:- A quick credit application, completed in-store or online
- Instant approval decisions in many cases
- Access to promotional terms, such as 0% interest for 6–12 months
2. Choose the Ring You Love
Once approved, you can shop confidently—knowing you have financing support in place. Whether you’re selecting from our elegant in-house designs, our extensive engagement ring collection, or starting a custom piece, our team is here to guide you every step of the way.3. Flexible Repayment Options
Most financing plans offer flexible terms, allowing you to choose the duration and monthly payment that fits your lifestyle. Depending on your credit profile and the program, you may qualify for:- No-interest if paid in full within the promotional period
- Fixed monthly payments over 12, 24, or even 36 months
- Deferred interest options
What to Know Before Financing Your Engagement Ring
1. Know Your Budget
Even with financing, it's important to define your total budget. Consider what monthly payment feels comfortable and how long you'd like to be making payments.2. Understand the Terms
Review your financing agreement carefully. Look out for:- Interest rates after promotional periods
- Minimum monthly payments
- Late payment penalties
3. Consider Prequalification
Some lenders offer prequalification with no impact to your credit score, helping you preview available terms without obligation. Ask our team about this option if you’d like to explore before applying.Can You Finance a Custom Engagement Ring?
Yes. Custom engagement rings can also be financed—and they often are. Whether you're choosing a unique diamond shape, heirloom setting, or designing a piece from scratch, financing gives you the freedom to explore a truly personal and luxurious ring design. Our Houston showroom offers a collaborative custom jewelry creation process, where we work with you to design and build a one-of-a-kind engagement ring. Financing is available for these projects, just as it is for ready-made pieces.Engagement Ring Financing at Nazar’s & Co. Jewelers
We understand that an engagement ring isn’t just a purchase—it’s a commitment, a milestone, and a memory in the making. That’s why Nazar’s & Co. Jewelers offers convenient financing options to help you purchase a ring as extraordinary as your relationship. Whether you’re just starting your search or ready to propose, our team is here to guide you through:- Exploring our curated collection of fine jewelry and designer rings
- Creating a bespoke ring through our custom design services
- Navigating our financing solutions with care and transparency