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Financing Your Jewelry

At Joseph Jewelry, we offer several convenient options for you to distribute payments on your jewelry. We accept all major credit cards, PayPal, checks, and cash, as well as the payment programs listed below. Please contact us to learn more or apply for any of these financing options. Application is quick and we are happy to help.

Subject to Credit Approval Term Geographic Eligibility
Joseph Jewelry Payment Program No 6 months with no interest Worldwide
PayPal Yes 6 months with no interest United States
Affirm Yes 3,6, or 12 months of payments United States
Wells Fargo Yes 6 months with no interest Washington State

Joseph Jewelry Easy Payment Program

Joseph Jewelry offers a 6-month zero-interest payment option for all jewelry over $1,000 to help clients with their purchase.
A non-refundable down payment of 50% or $1,000, whichever is less, is required to begin the custom design process with our CAD designers. Once we receive this payment, you can login to your account to make future payments at any time. For all custom designs, production only starts when up to half of the total balance is paid. There is zero interest applied on this plan if the invoice is paid in full within 6 months.
Please note: the jewelry will not ship until full payment is received.

If you cancel your purchase of an in-stock item that you are still making payments on, you will be charged a 15% re-stocking fee. We would refund your balance payment back to you within 3 business days of the cancellation.
Contact us to learn more and set up this plan for your purchase.

PayPal Financing

This program is provided through PayPal and applies zero interest if paid in full in 6 months. Clients can easily apply online, and then the credit is released to your PayPal account. Then, select PayPal in the Joseph Jewelry payment options upon receiving your invoice or contact your designer for assistance. Our normal production timeline of 6-8 weeks applies to this program. Contact us to learn more.
PayPal Finance Info


With Affirm, your purchase is split up into monthly payments with interest, depending on your credit approval. The amount of monthly payments can be determined by you and there are no late fees.
For instance, on a $700 purchase, you may pay $63.18 for 12 months with a 15% APR. Once approved through Affirm, you will begin the custom design process, and following our usual production timeline of 6-8 weeks, the jewelry is delivered to you when it is complete.
Rates from 0-36% APR. Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: Options depend on your purchase amount, and a down payment may be required. See for important info on state licenses and notifications.

Wells Fargo

The Wells Fargo program includes 6 months of zero-interest financing. Keep in mind, credit through Wells Fargo can only be used for in-store clients in Washington State upon approval. Please contact us for more details.

Custom Design Policy: On all custom designs we do not refund money and you will be obligated to honor the full amount agreed upon. We cannot change this policy under any circumstance, but we will work with you until you are 100% satisfied.

Joseph Jewelry is a custom fine jewelry creator dedicated to giving a seamless customization experience to customers. We deliver a high-quality product as a result from our talented team of jewelers and designers, technology, design creativity, and passion combined with excellence. We strive to communicate clearly, foster a hub of creativity, and treat every client as though they are family.