• No interest on your purchase if paid in full within 12 months.
• Interest will be charged to your account from the purchase date at the APR for Regular Purchases of 24.99% if the purchase balance is not paid in full in 12 months or if you make a late payment.
• The APR for Regular Purchases is lower than 24.99% in some states. See the Regular Card Credit Terms disclosure below.
• Available only for a total purchase of $500 or more.
• 20% Down Payment Required.
• The required minimum payment for the plan is 1/12th of the purchase rounded up to the nearest $5.00, but not less than $40.


• APR for Regular Purchases: 24.99% APR; except in AL, 21% APR to $750.00, 18% APR over $750.00; in AR, 17% APR; in CO, GA, IN, MS, OK, TN, TX, VT and WY, 21% APR; in DC and MD, 24% APR; in HI, MA, MN and NC, 18% APR; and in NE, 21% APR to $499.99, 18% APR for $500.00 and over.
• Minimum Interest Charge $1.00, except $0.70 in MI, MO, NY, TN and TX; except $0.50 in AL, AZ, CO, IN, LA, ME, MA, MN, MS, MT, NJ, OK, PA, SC, SD, VT, WV and WY; and no minimum in AR, DC, HI, IA, MD, NE, NM, NC and RI.
• State dependent terms vary by your state of residence or, for non-US residents, the state in which the account was opened.
• See the Retail Installment Credit Agreement for additional details.

All accounts are subject to credit approval. Here at Kay® Jewelers, we also offer a variety of additional payment options such as: Cash, Check, Visa, MasterCard, Discover, American Express and In-Store Layaway.

Terms and Conditions

Apply Now