Jewelry Financing

Nelson Coleman Jewelers offers a robust package of jewelry financing options. Our attractive jewelry financing choices match our eye-catching selection of jewelry, helping customers on just about any budget to make the jewelry purchase they desire.

Whether you’re looking to buy an engagement ring, wedding ring or other jewelry, trust that, at Nelson Coleman, you’ll enjoy jewelry financing options offering flexible payments.

Nelson Coleman’s Jewelry Financing Options

Nelson Coleman In-Store Financing

In addition to credit card options, Nelson Coleman offers the following jewelry financing options:

  • Six months at no interest if paid in full1
    • Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period.
  • 12 months at no interest if paid in full2
    • Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period.
  • 36 equal payments at 9.99 percent APR3

American Gem Society Credit Card Through Wells Fargo

With the American Gem Society credit card, issued with credit approval by Wells Fargo Bank, you’ll enjoy the flexibility to buy today a special piece of jewelry that dazzles your eye and pay for this gem over time. Nelson Coleman offers its clients the option to pay over a short term with no interest if paid in full1 or accept a special APR in exchange for lower monthly payments over a longer payment period.

The American Gem Society credit card’s line of credit is available to Nelson Coleman clients with approved credit and is revolving so you can use it over and over again. Cardholders are given convenient monthly payments and the purchasing power to make the purchase they want today while spreading out payments over time and leaving cash or savings in your bank account and general-purpose credit cards open for other purchases.

If approved, your card will arrive in a plain white unmarked envelope within 10 days after the application date, so keep in mind that timing is critical to avoid having your significant other opening any surprise mailings. Please note that the Nelson Coleman staff is unable to change the mailing address on behalf of clients. You can, however, contact Wells Fargo and make this request after you’re approved.

The American Gem Society credit card also features an easy-to-use online account management and bill payment system. For current cardholders, manage your account online.

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FAQ

Can You Finance Jewelry?
At Nelson Coleman, many customers ask, “Can you finance jewelry?” Of course! Through our special financing options—in-store financing and American Gem Society credit card—our customers may certainly succeed in jewelry financing of all kinds, including engagement ring financing and wedding ring financing.
Why Do Customers Use Jewelry Financing?
Nelson Coleman customers take advantage of jewelry financing for a number of reasons. Financing allows you to conserve your cash and other general credit lines for other purposes while paying over time for what you want today. You’re able to make convenient monthly payments with no annual fee and no prepayment penalty. Financing also provides an opportunity to build credit.

Financing also gives you the purchasing power to buy today the jewelry piece you’ve always dreamed about and spread out your payments over time while leaving your cash and savings in your bank account.

The simple credit application process provides an on-the-spot credit decision and immediate access to the line of credit upon approval. The application process is a hard pull of your credit history.

With your American Gem Society Credit Card through Nelson Coleman Jewelers you can also come back and make future purchases as many times as you would like, as it is a revolving dedicated line of credit.

What Is the Benefit of Applying for Jewelry Financing Over Using a General-Purpose Credit Card?
Nelson Coleman’s financing options are attractive alternatives to other payment sources because you’ll receive fast credit decisions, immediate access to a revolving line of credit if approved, and special terms promotions that allow you to spread out your payments over time. As with any special-terms promotion, it’s important to understand the terms and conditions of the specific option you choose.
What If I Don’t Want to Go Through the Hassle of Filling out an Application?
At Nelson Coleman, we understand that you are busy and have limited time. Our application process is very brief. Usually, you’ll receive a response within seconds.
Can You Finance an Engagement Ring?
Nelson Coleman makes it easy to finance an engagement ring. Thanks to our two available jewelry financing options, you are able to choose an option that works best for you, given your budget and credit history.
Can You Finance a Wedding Ring?
Just as you may finance an engagement ring, you may finance a wedding ring at Nelson Coleman. Our two jewelry financing options create opportunities for you to afford the wedding ring(s) you desire.
Are Jewelry Financing Options Available with No Down Payment?
At Nelson Coleman, you may finance the total amount of your purchase—with no down payment—depending on the dollar amount for which you are approved by a credit provider and the cost of your purchase.
Can You Finance Jewelry with Bad Credit?
Nelson Coleman encourages everyone who is interested to apply. Because each person’s credit situation is unique, we can’t speculate whether you will be approved and do not make the credit decisions at Nelson Coleman. All your personal information is sent from the application page directly to Wells Fargo Bank, N.A., where it is used and protected according to the Wells Fargo Bank, N.A. privacy policy. A copy of this privacy policy will be given to you as part of the application process.

If you are not approved or your credit line is not as high as you would like, please call us at Nelson Coleman, and we would appreciate the opportunity to discuss other jewelry financing options with you.

Additional Information About the American Gem Society Credit Card
1,2 The American Gem Society 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. This information is accurate as of 12/1/2019 and is subject to change. For current information, call us at 800–431–5921. Offer expires 12/31/2020.

3 The American Gem Society credit card is issued by Wells Fargo Bank, N.A. Special terms apply to qualifying purchases charged with approved credit. The special terms APR of 9.99% will apply to the qualifying purchase, and 36 monthly payments equal to 3.2453% of the original special terms balance are required. The advertised terms are an estimate assuming required monthly payments are made on the payment due date; no other balances are currently carried or will be carried on the account; and no additional charges are or will be added to the account. Because your actual account activity may be different than the assumptions used, or because of rounding, the number of payments or the final payment amount could be different than the advertised terms. The special terms APR will continue to apply until all qualifying purchases are paid in full. The APR for purchases will apply to certain fees such as a late payment fee or if you use the card for other transactions. 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. This information is accurate as of 12/01/2019 and is subject to change. For current information, call us at 800–431–5921. Offer expires 12/31/2020.