Jewelry financing without a store card.
An engagement ring, a watch, or a piece you have been waiting to buy — financed at a fixed rate without a jeweler’s deferred-interest store card and its retroactive-interest trap.
Fixed rates from
10.99%APR with AutoPay*
Assumes excellent credit. Your rate is determined by your credit profile, amount, and term.
Checking your rate does not affect your credit score.
What it covers.
- An engagement ring or wedding bands
- A watch or a milestone piece
- A custom commission or a bespoke setting
- An estate or auction acquisition
Why a Lightstream loan.
No deferred-interest trap
Jeweler store cards often defer interest, then charge it retroactively on the whole balance if you miss the payoff date. A fixed-rate loan states its rate up front and never does that.
Own it free and clear
Funds in your account let you buy the piece outright from any jeweler, so it is yours immediately — not held under a store financing agreement.
A fixed payment, shorter term
This purpose favors shorter terms, matching the loan to the purchase and keeping total interest low while the piece is paid off in a sensible window.
Buy from any jeweler
A store card only works at its store. A loan funded to your account lets you shop on quality and price — a local jeweler, a designer, or an estate sale.
Loan amounts and terms.
- Loan amounts
- $3,000 – $75,000
- Repayment terms
- 2–6 years
| Loan term | APR range with AutoPay* | Example payment per $10,0002 |
|---|---|---|
| 3 years | 10.99%–21.99% | $327.34/mo |
| 4 years | 11.79%–22.79% | $262.31/mo |
| 5 years | 12.69%–23.69% | $225.95/mo |
| 6 years | 12.69%–23.69% | $199.11/mo |
Funds can be received as soon as the same business day for applications approved before 2:30 p.m. Eastern time.¹
Frequently asked questions.
Jeweler financing is frequently a store card with a deferred-interest promotion — attractive until a missed payoff date triggers interest charged retroactively on the entire original balance. A fixed-rate loan states one rate for the full term, funds to your account so you can buy from any jeweler, and never reprices.
Yes. Because funds go to your account, you can pay a jeweler’s deposit on a custom commission and the balance on completion, or buy an estate or auction piece as a cash buyer — the loan is not tied to a specific store or transaction.
No. Unlike a pawn or asset-backed arrangement, this loan is unsecured — the piece is not pledged and there is no lien. You own it outright from the moment you buy it.
Jewelry favors the program’s shorter term bands, shown in the calculator, so a milestone purchase is paid off in a reasonable window rather than carried for years. Shorter terms mean less total interest.
Related loan purposes.
Disclosures
*Loan terms vary by loan purpose, amount, term, and credit profile. The lowest advertised rates require excellent credit. 29.46% of approved applicants who applied for the lowest rate qualified for it, based on data from 01/01/2026 to 03/31/2026. The rate quoted includes the AutoPay discount; the AutoPay discount is only available prior to loan funding, and rates without AutoPay are 0.50% points higher. All loans are subject to credit approval; additional conditions and limitations apply. Advertised rates and terms are subject to change without notice.
¹Same-day funding is available if your loan is approved on a banking business day and, by 2:30 p.m. Eastern time, you complete these steps: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; (3) complete the final verification process.
²Example payments are per $10,000 borrowed at the lowest APR shown for that term, include the AutoPay discount, and assume excellent credit. Your payment is determined by your amount, term, and credit profile.
Payment example: Monthly payments for a $10,000 loan at 7.24% APR with a term of 3 years would result in 36 monthly payments of $309.87.
Maximum APR for a Lightstream loan is 25.39%. Loan terms range from 24 – 240 months depending on the loan purpose.