Kay's Jewelry: Loan Options And Your Jewelry

Kay Jewelers offers a variety of payment options for its customers, including credit cards, gift cards, and flexible financing options. The store has partnered with Affirm to provide lending services, allowing customers to make purchases with flexible payment plans, including a buy now, pay later option. Additionally, Kay Jewelers offers its own credit card, known as the Kay Credit Card, which provides customers with flexible financing and exclusive benefits. For those seeking a lease-to-own option, Kay Jewelers also provides a No Credit Needed* Lease Purchase Program through Progressive Leasing, allowing customers to take their jewelry home on the same day.

Kay Jewelers offers a No Credit Needed* Lease Purchase Program through Progressive Leasing

Here's how it works: Customers apply for the program online or in-store and receive an instant decision on their application. If approved, they can sign a lease agreement, make an initial payment of $79, and take their jewelry home or have it shipped to them. The lease agreement typically offers 12 months to ownership, with flexible weekly, bi-weekly, or monthly payment options. It's important to note that Progressive Leasing owns the merchandise until all standard lease payments are made or an early purchase option is exercised.

The approval process for the Lease Purchase Program considers various factors, including credit information, income, and banking history. While it is a "no credit needed" program, Progressive Leasing evaluates applicants individually to determine if the lease would be a suitable option for them and to establish an approval amount. This means that even those with fair credit can be considered for the program.

In addition to the Lease Purchase Program, Kay Jewelers also offers other payment options. They have partnered with Affirm to provide flexible financing options, such as the Pay in 4 payment option with 0% APR and the Affirm Card, which is a Visa debit card. Customers can also take advantage of the Kay Credit Card, which offers flexible financing and exclusive benefits. It is worth noting that the Kay Credit Card requires at least fair credit, and pre-approval is only available through offers received in the mail.

Kay Jewelers offers multiple payment plans, including a credit card – the Kay Credit Card

Kay Jewelers offers a range of payment plans to suit different customer needs. One of these options is the Kay Credit Card, which provides flexible financing for purchases. This credit card is issued by Comenity Bank, and cardholders can benefit from exclusive perks, rewards, and promotional plans. It's important to note that the Kay Credit Card requires at least fair credit, and pre-approval can only be obtained through an offer received in the mail.

In addition to their credit card, Kay Jewelers also offers a No Credit Needed Lease Purchase Program through Progressive Leasing. This option allows customers to take their jewellery home on the same day without the need for a credit check. The lease-to-own agreement involves making recurring auto-lease payments or exercising an early purchase option. Progressive Leasing evaluates applicants on an individual basis, considering factors such as credit information, income, and banking history to determine approval amounts.

Another payment option available at Kay Jewelers is Affirm, which provides flexible payment plans with no fees. Affirm offers a debit card issued by Evolve Bank & Trust, as well as a one-time-use virtual card. The interest rate through Affirm ranges from 0% to 36% APR, depending on credit eligibility. Customers can choose between various payment schedules, such as interest-free bi-weekly payments or monthly instalments with interest.

Furthermore, Kay Jewelers accepts gift cards and offers special promotional plans for purchases over a certain amount. The specific payment options and availability may vary by merchant and state, so it's always a good idea to check with the retailer directly to confirm the current financial offerings.

The Kay Credit Card can be linked to your online store account

Kay Jewelers offers a variety of payment plans, including the Kay Credit Card. This card can be linked to your online store account. To do this, visit comenity.net/kay and click "Register". You will then be asked to enter your account information, including your current account number. If you do not know your account number, you can look it up online during registration. Once your card is successfully linked, it will automatically appear as a payment option in the billing step, and you can use it for your next purchase.

The Kay Credit Card offers flexible financing options, allowing you to make purchases with greater ease. You can expect to receive your physical card in the mail within 7-10 business days from the date you opened your account. If you do not receive your card after this time frame, be sure to contact Comenity Bank to request a new one.

In addition to the Kay Credit Card, there are other payment options available at Kay Jewelers. One option is the Affirm Card, which is a Visa debit card issued by Evolve Bank & Trust. Affirm offers flexible payment plans with no fees, and your rate will depend on your credit score. Another option is the Progressive Leasing program, which is a lease-to-own agreement. With this program, you can take your jewelry home immediately and make flexible weekly, bi-weekly, or monthly payments.

The Affirm Card is a Visa debit card issued by Evolve Bank & Trust

Kay Jewelers offers a range of payment plans, including the Kay Credit Card. The Kay Credit Card is issued in partnership with Comenity Capital Bank. This card can be used for purchases at Kay Jewelers and its partner stores. There is also the option of a co-branded card with Helzberg Diamonds.

In addition to their credit card, Kay Jewelers also offers a variety of other payment methods and plans. They accept standard payment methods such as gift cards and major credit cards. They also offer financing options through Affirm, a payment program that allows customers to pay for their purchases over time with flexible payment plans and no fees. Affirm is not a bank, but it provides financial services and products in partnership with banks. The Affirm Card is a Visa debit card issued by Evolve Bank & Trust (Evolve), pursuant to a license from Visa U.S.A. Inc. It is important to note that Affirm is not a bank, and FDIC insurance will only cover the failure of Evolve Bank & Trust. The Affirm Card is not available to residents of U.S. territories.

The Affirm Card offers a range of payment options, including the ability to pay over time with no late fees or compounding interest. This “buy now, pay later” option allows customers to split their purchases into 4 interest-free payments every 2 weeks or opt for monthly installments. The specific payment plan may depend on the merchant and the purchase amount, and a down payment may be required for certain purchases. The Affirm Card can be used for purchases at various retailers, including Kay Jewelers, and provides exclusive deals and low APR rates for cardholders.

The Affirm Card provides customers with flexibility and convenience when making purchases. It allows customers to manage their payments through the Affirm app or online portal, where they can set up AutoPay to ensure they never miss a payment. The app also enables customers to check their purchasing power and see their payment options before making a purchase. The Affirm Card is a useful tool for those who want to make purchases at Kay Jewelers and other retailers while benefiting from the convenience of paying over time without incurring late fees.

Affirm offers a 0% APR payment option

KAY Jewelers has partnered with Affirm, a loan service provider, to offer easy and affordable payments online and in stores. Affirm offers a 0% APR payment option, the Pay in 4 plan, which allows customers to pay for their purchases in four interest-free payments every two weeks. This option is available for purchases made both online at KAY.com and in-store.

To use Affirm as a payment option at KAY.com, customers can select Affirm as their payment method during checkout and apply for a loan to pay for their items. For in-store purchases, customers can apply for a loan at affirm.com or by downloading the Affirm app on their phones. They can then pick their desired payment plan and present their digital card at the register.

The Affirm virtual card is a one-time-use card issued by Cross River Bank (CRB), Sutton Bank, or Celtic Bank, pursuant to a license from Visa U.S.A. Inc. The card expires 24 hours after the loan is confirmed and the card is received. If the card expires before it is used, the loan is voided.

Affirm always shows customers the exact terms, including the total amount of interest to be paid, and never charges any extra or hidden fees. There are no late fees, prepayment fees, annual fees, or service fees to open or close an Affirm account.

In addition to Affirm, KAY Jewelers offers multiple payment options, including the Kay Credit Card, which requires at least fair credit to qualify.

Frequently asked questions