Financing & Lease-to-Own
Compare payment options for watches, fine jewelry, and engagement rings. Apply online or select an option at checkout when eligible. Enjoy your purchase now and pay over time with terms designed to fit your budget.
Enter a purchase amount and select a term to compare possible payment structures. Your actual options will be shown by the provider after an eligibility check.
Monthly financing estimate
Illustrative range based on Affirm’s published 0%–36% APR
$271–$384
per month · 24 illustrative payments
Estimated using equal monthly payments. Your offered APR, term, down payment, and payment structure may differ. Synchrony promotions and minimum payments vary.
Illustrative total: $6,500–$9,211Pay in 4
Cash App Afterpay or Affirm, if offered at checkout
$1,625
each · 4 payments over 6 weeks
This is the purchase amount divided by four. Pay in 4 is generally interest-free when payments are made on time, but availability and spending limits are determined by the provider.
Lease-to-own
Acima or Snap Finance
Offer required
Payment shown in your lease agreement
Lease-to-own does not use a standard APR calculation. Payment frequency, cost of lease, term, and early purchase amount depend on the provider’s agreement and may cost significantly more than the cash price.
Illustrative estimates only. They are not offers, approval decisions, or guaranteed provider terms. Estimates exclude taxes, shipping, down payments, fees, and other charges. Affirm advertises pay-over-time rates from 0%–36% APR, subject to eligibility. Synchrony promotions and required minimum payments vary. Review the provider’s complete agreement before accepting.
Answer three quick questions to find a financing or lease-to-own provider that may fit your purchase.
Your recommended starting point
This quiz provides a general starting point and does not guarantee approval, eligibility, rates, or terms. Financing and lease-to-own products are subject to provider approval and individual terms. Lease-to-own may cost more than the cash purchase price. Review the full agreement before accepting an offer.
Compare available payment options for watches, fine jewelry, and engagement rings, then apply online or select an option at checkout when eligible.
Love it now. Choose how you pay with Cash App Afterpay. Select Cash App Afterpay at checkout to view the payment options available for your purchase.
Affirm gives customers a simple way to split purchases into clear, fixed payments with options shown at checkout before completing an order.
Synchrony financing gives qualified customers access to special financing options for larger purchases and more traditional monthly terms.
Acima gives customers another way to bring home luxury watches and jewelry with flexible lease payment options.
Snap Finance offers another lease-to-own option for customers looking for quick approval and flexible payment solutions.
Financing and lease-to-own options are subject to provider approval, eligibility requirements, purchase amount, and applicable terms. Rates, fees, payment schedules, and available options are determined by each provider, not ECI Jewelers.
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