Financing, Leasing, and Layaway

Pay over time

We've conveniently layed out 5 ways to pay over time.

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Competitive Interest Rates

Buy Now and Pay Later for your purchase over time with as low as 0% APR up to 6 months*. Application does not affect your credit score. Check Your Rate Below

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Credit Card Financing

0% Interest up to x12 Payments (requires a hold in the order amount on your credit card).
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AVAILABLE AT CHECKOUT
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Lease to Own

High approval rate - No credit option
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Pay only 15% upfront

A Non-refundable deposit then pay at your pace and receive the order once the payments are completed.
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AVAILABLE AT CHECKOUT
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Bread Layaway Plan

Competitive Interest Rates

How it Works

Check your rate in seconds. If you pre-qualify, review and select a payment plan to complete your purchase. Just select Bread as your payment method at checkout.

Quick and Easy Application

Get a decision in seconds with no obligation to buy. Checking your rate won’t affect your credit score.

Affordable Monthly Plans

Pay for your order over 12, 18, or 24 months at competitive interest rates*. *Subject to approval of credit application. Rates range from 6.99% to 29.99% APR, resulting in, for example, 24 monthly payments of $46.14 at 9.99% APR, per $1,000 borrowed. APRs will vary depending on credit qualifications, loan amount, and term. Bread® pay-over-time plans are loans made by Comenity Capital Bank. Questions?

Quick Simple Payments

Repaying your loan is easy. No gimmicks. Go to Bread’s member site to enroll in autopay or make your regular montly payment. You can prepay anytime without penalty.

Payment Flexibility

Pay with your debit card, check, ACH transfer, money order, or easily set up automatic monthly payments.

Real People, Real Support

Bread has a dedicated team ready to answer your questions and help you out however they can.



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Splitit instalment Plan

0% Interest Financing

  • Interest-Free and Instant Approval (No Hidden Fees)
  • Get your jewelry immediately after placing the order
  • Pay in 2-12 Monthly instalments
  • Use your own credit card (US or Canadian cards only, Debit cards not accepted)
  • No Credit Checks
How it Works?
Splitit makes your payments smaller so you can make file bigger
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Choose Splitit at Checkout

Always 0% interest. Never any late fees.

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Select Number of Payments

There are no applications or credit checks, and you continue to earn your points and rewards on your card.

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Pay Over Time

Use your favorite credit card to split your payment into smaller, bite-sized pieces.

Online Checkout or over the phone:

  1. Select over how many months you would like to pay (from 2 to 12 months).
  2. Your credit card will only be charged for the 1st monthly payment but pre-authorized for the balance. Every month another payment will be deducted from your card and the pre-auth amount will be reduced by that amount until the payments are completed.

Card Requirements: Available credit limit in the sum of the full order amount, US or Canadian Credit Card (Debit cards will not work)

Sample plan for 3 installments with credit card

Total
$300
Pay Today
$100

$200 held on card

2nd Payment
$100

$100 held on card

Final Payment
$100

$0 held on card

  • At the time of purchase, once the merchant confirms your shipment, you will only be charged for the first payment. The remaining balance will be held on your credit card until the final payment is made. After each monthly payment, the amount held from your available balance will be reduced to the new remaining balance (the held amount might appear as “pending”).
  • To be eligible, you must own a VISA or MasterCard credit card and have the entire amount of your purchase available on your card.
  • Splitit will not charge you interest or fees. Other potential interest, fees and/or charges may apply from your card issuer.
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The Brillianteers Layaway Plan

Pay only 15% upfront

Our layaway plan is design to help you purchase your favourite jewelry even when you cannot afford paying for it in full at this time. By using this plan we will ensure the jewelry will be ready for you on time when you are ready to pay for it and at today's price even on items that are on sale.

To purchase an item using this plan, simply choose Layaway at checkout. A member of staff will then contact you to pay a 15% deposit on the purchase and you can choose to divide the balance to multiple monthly payments for your convenience.

The jewelry will be made for you and kept in the safe and will be shipped out to you after the payments have been completed.

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Progressive Leasing

High approval rates - No credit option

The service being offered is a lease-to-own or rent-to-purchase agreement from Prog Leasing, LLC, or its affiliates. This means you can lease items with the option to purchase them. However, purchasing through leasing is more expensive than buying outright at the retailer’s price. This service is available for certain items at participating locations, but is not offered in Minnesota, New Jersey, Vermont, Wisconsin, or Wyoming.

*Credit Check: Prog Leasing may review credit bureau data, but credit history is not required for approval.

**90-Day Purchase Option: The standard lease agreement provides a 12-month path to ownership. Opting for a 90-day purchase will incur additional costs above the retailer’s standard price (excluding a 3-month option in California). For early purchase, call 877-898-1970.

†Initial Payment: A first payment of $79 (plus tax) is required at the start of the lease. The amount of subsequent lease payments will be set once you select your item.

Why Consider a Lease?

When thinking about a lease, here are some points to consider:

No need for established credit history* A substitute for credit card use Requires an initial $79 payment† Simple application process Leasing to own generally costs more than direct purchase from a retailer Affordable lease-to-own payments Option to purchase within 90 days** Immediate possession of the item, with the option for same-day take-home or scheduled delivery Full ownership of the item occurs after complete payment

Applying for the Lease:

Eligibility for application requires:

  • Being at least 18 years old
  • Having a Social Security Number or ITIN
  • An open and active checking account with a routing or account number
  • An active credit or debit card number

All the above options are available in our standard checkout.

For any questions please contact us at 1-888-265-2069 or sales@brillianteers.com