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.
Is J.F. Kruse Jewelers open?
Yes! We are open and we missed you! Visit us during our normal hours
Monday - Friday 10AM-8PM
Saturday 10AM-5PM
Is there any impact on the CareFREE Warranty on my jewelry?
We are offering a 120-day grace period for all warranty inspections. Please continue to wear and enjoy your jewelry, and know that we have your back! We encourage you to stop by and have your jewelry cleaned, polished and sanitized with our curbside services or by stopping in the store where we are enforcing best-safety practices.
How do I use curbside services?
We introduced curbside services so you can always feel comfortable stopping by J.F. Kruse Jewelers. Simply drive to our store during our open hours and call us at 320-253-4755 from your car when you arrive. One of our friendly staff will greet you at your vehicle!
What can I use curbside service for?
Our curbside services include every service you would enjoy in our store! The only difference is our friendly staff will come out to your vehicle while you wait. We provide personal shopping, in-house repairs, clean & checks, warranty inspections, order pickups, and more!
Am I still required to come into J.F. Kruse Jewelers for CareFREE Warranty inspections or Clean & Checks of my jewelry?
We understand how precious your fine jewelry is to you and we want to take care of you and your jewelry to keep it sparkling for a lifetime! We are offering a 120-day grace period for all warranty inspections but encourage you to stop by in-store or by using our curbside services, if you are comfortable, for both Warranty inspections and Clean and Checks.
If I purchase jewelry through your website, can I pick it up at the store?
Yes! When completing your purchase online, you can select Store Pickup if you'd like to stop in our store or use curbside services to pick up your order.
Are you still offering jewelry repair services?
Yes! We know how much your precious jewelry means to you and we want to help you continue to wear it! As the safety and security of our staff and customers remains a top priority, we continue to offer in-house repairs with the additional safety and health precautions noted at the top of this page.
Are you running any sales or promotions?
Be sure to follow us on Facebook and Instagram where we announce our sales and promotions. Or check back on our website!
Financing
Buy now, pay over time with special 6, 12, or 60-month financing with approved credit.
Affirm Financing: With Affirm Financing you can choose from multiple monthly payment plans at a pace you choose -- usually 3, 6, or 12 months -- so you're in control. From day one, you know how long you'll pay, and you know how much you'll pay because there are no late fees or other hidden fees. Buying with Affirm is simple:
- Fill your cart. When you're done shopping, select Affirm at checkout.
- Complete your purchase. Enter a few pieces of info for a real-time decision.
- Pay over time. Make payments at affirm.com or in the Affirm app.
*Subject to eligibility check and approval, and a down payment may be required. Payment options depend on your purchase amount. Actual terms may vary. Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Visit affirm.com/help for more info.
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.
Layaway
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!
Credit Cards
We accept most major credit cards including Visa, MasterCard, American Express and Discover issued in the US.
PayPal
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 info@jfkrusejewelers.com, chat at the bottom right of your screen or visit us in-store!
Saint Cloud
Store Hours
| Mon - Fri | 10AM - 7PM |
| Sat | 10AM - 5PM |
| Sun | Closed |
Budget Calculator
*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.