At The Jewel Concierge, we believe investing in fine jewellery should feel considered and seamless.
To offer flexibility without compromise, we offer a variety of payment options at checkout, including buy now, pay later services designed to suit different purchase types and budgets.
All payment providers conduct their own eligibility assessments and approval processes. Please review each provider’s terms directly before selecting an option.
afterpay
Best suited for smaller purchases.
Afterpay allows you to split your purchase into four equal, interest-free instalments, paid every two weeks.
Key features:
- 4 equal payments
- No interest
- Payments deducted automatically
- Instant approval decision
Things to note:
- Late fees may apply if a scheduled payment is missed
- Spending limits are set by Afterpay based on your account history
- Not all high-value pieces may be eligible
Afterpay is typically most suitable for jewellery purchases in the lower to mid price range.
zip payments
Designed for higher-value purchases.
Zip allows approved customers to spread the cost of their jewellery over time, with flexible repayment options.
This option is particularly suited to engagement rings, bespoke commissions, and higher-value pieces where additional flexibility may be helpful.
Key features:
- Flexible repayment schedule
- Higher approved limits compared to most pay-in-4 services
- Minimum monthly repayments required
Things to note:
- A monthly account fee may apply
- Interest may apply depending on your account and repayment plan
- Approval, limits, and terms are determined solely by Zip
Zip is generally most suitable for clients considering a piece with a high purchase amount, allowing for an extended repayment flexibility beyond four instalments.
PayPal Pay in 4
PayPal Pay in 4 allows eligible customers to divide their purchase into four interest-free payments, similar to Afterpay.
Key features:
- 4 equal instalments
- No interest
- Managed directly within your PayPal account
Things to note:
- Typically available for purchases between $30 and $2,000
- Availability depends on PayPal’s internal eligibility criteria
- Late fees may apply if payments are missed
This option is convenient for clients who already use PayPal and prefer to manage instalments within their existing account.
Choosing the Right Option for you
For smaller jewellery purchases: Afterpay or PayPal Pay in 4 may be suitable.
For engagement rings and higher value pieces: Zip often provides greater flexibility and higher approved limits.
It is important to note that every person's situation and circumstances are different, therefore there is no right or wrong here.
DISCLAIMER
All buy now, pay later services are provided by third-party financial providers. Approval, spending limits, fees, and terms are determined solely by the provider.
We encourage clients to consider their financial circumstances carefully before selecting an instalment option.
