Flexible Payment Options
At J.F. Kruse Jewelers, we don’t believe price should be a factor that holds you back. That's we offer flexible payment options for a stress-free shopping experience.
Step One: Review Payment Options
Learn about our payment options and payment plans.
- Credit Cards
- Other Payment Options
Step Two: Estimate Your Budget
With many resources available online to help you determine how much you'd like to spend on your jewelry purchase, take some time to review your personal financial situation and find a budget you're comfortable with.
If you're interested in applying for financing but aren't sure where to start, the Budget Calculator on this page can be a helpful tool to estimate a monthly payment or cost of your engagement ring based on the number you enter.
*This Budget Calculator is not associated with any of the creditors listed below. Nor does it guarantee credit approval. It is simply a tool to estimate payments over a 60-month financing plan with 9.99% APR. For accurate financing estimation, contact one of our friendly non-commissioned staff members.
Step Three: Apply For Your Preferred Financing Plan
Once you've determined your budget and selected your engagement ring and diamond or uniquely-you piece of jewelry, you can review the creditor options below and apply for financing online or in-store by contacting one of our friendly non-commissioned staff!
Buy now, pay over time with special 6, 12, or 60-month financing with approved credit.
Wells Fargo Financing: With the Wells Fargo Jewelry Advantage® credit card*, you can enjoy No Interest if Paid in Full within 12 months. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period.* Offer is subject to credit approval. Minimum monthly payments are required. Financing is available to US customers only.
*Subject to credit approval. The Wells Fargo Jewelry Advantage® credit card is issued by Wells Fargo Bank, N.A. Special terms apply to qualifying purchases charged with approved credit. Minimum monthly payments are required during the promotional (special terms) period. Interest will be charged to your account from the purchase date at the APR for Purchases if the purchase balance is not paid in full within the promotional period. Paying only the minimum monthly payment will not pay off the purchase balance before the end of the promotional period. For new accounts, the APR for Purchases is 28.99%. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. This information is accurate as of July 31, 2020 and subject to change. For current information, call us at 1-800-431-5921.
Synchrony Financial: J.F. Kruse Jewelers offers special financing options with a Synchrony Bank credit card with a revolving credit line to use again and again. You can apply for Interest Free Financing, Deferred Interest, or Fixed Payments/Reduced APR simply by using the application link below or visiting with one of our friendly non-commissioned sales staff. Use Synchrony's payment calculator to estimate your payments. Benefits of the Synchrony Bank credit card include:
- Affordable and convenient monthly payments,
- Simple and fast application and contract process,
- Instant credit decisions,
- Financial stability from a trusted company.
*Subject to credit approval. The Synchrony Bank credit card is issued by Synchrony Financial Bank. Special terms apply to qualifying purchases charged with approved credit.
Our layaway options at J.F. Kruse are flexible and simple.
- Find a beautiful piece of jewelry that is perfect for you.
- Make a downpayment of 20% of the purchase.
- Schedule up to three monthly payments to cover the balance.
- Take your jewelry home once payments are complete!
Here at J.F. Kruse, we are committed to working with you to create a layaway program that fits your needs!
We accept most major credit cards including Visa, MasterCard, American Express and Discover issued in the US.
Payment options via PayPal are available only online, not in-store. Simply select this option when checking out from our online store to complete your purchase using information from your PayPal account.
Other Payment Options
If you would like to finalize your purchase using multiple credit cards or a combination of payment methods, please contact us by phone (320) 253-4755, email firstname.lastname@example.org, chat at the bottom right of your screen or visit us in-store!
*Calculator is for estimation only. Calculator defaults estimation on a 60-month financing plan with 9.99% APR. Calculator is not associated with Wells Fargo Jewelry Advantage® credit card or Synchrony Financial. This estimation does not guarantee credit approval. For an accurate financing estimation, contact one of our friendly non-commissioned staff members.