At FTM Diamonds, we understand that purchasing fine jewelry is an investment, whether it’s a timeless engagement ring, a special anniversary gift, or a personal treat. We believe that luxury shouldn’t be limited by payment constraints, which is why we offer a variety of payment options designed to fit your needs and lifestyle. From traditional methods to flexible financing, we’ve got you covered.
Payment Methods We Accept
We accept several payment methods to make your shopping experience as seamless as possible:
- Credit and Debit Cards: Visa, MasterCard, American Express, and Discover.
- Apple Pay: A fast and secure way to pay using your iPhone or other Apple devices.
- Shop Pay: With Shop Pay, you have the option to split your total purchase into multiple payments, allowing you to pay over time. Keep in mind that the APR (Annual Percentage Rate) for this option varies between 5% and 15%, depending on your creditworthiness.
- Venmo: If you prefer paying via Venmo, we’ve made that option available for a smooth, cashless transaction.
Why Choose Shop Pay?
Shop Pay is a convenient choice if you want to break your payments down into manageable installments. However, the interest rate, or **APR**, will vary. If you’re planning to use Shop Pay, be aware of your APR range so you can plan accordingly. But what exactly is APR?
Understanding APR
A credit card's **Annual Percentage Rate (APR)** is the yearly interest rate applied if you carry a balance. In simpler terms, it’s the cost of borrowing money. The higher the APR, the more expensive it is to pay off your purchase over time. APR includes not only the interest but also any additional fees the card may charge. With Shop Pay, your APR could be as low as 5% or as high as 15%, so it’s important to know what works best for your budget.
Looking for 0% APR? Consider a Credit Card
If you'd like to avoid paying interest entirely, signing up for a credit card with a **0% Intro APR** could be a smart option. Many cards offer a promotional period of no interest, allowing you to pay off your ring without incurring any additional costs. Some great cards to consider include:
- Chase Freedom Unlimited: 0% Intro APR on purchases for 15 months.
- Chase Slate: Also offers 0% Intro APR for 15 months.
- Wells Fargo Reflect Card: Enjoy 0% APR for up to 21 months.
- Discover it Cash Back: 0% APR for the first 15 months.
These cards allow you to spread out payments without the concern of accruing interest, giving you the flexibility to enjoy your new jewelry piece while managing your finances responsibly.
Make Your Dream Purchase Today
At FTM Diamonds, we want to make your jewelry-buying experience as enjoyable and stress-free as possible. With multiple payment options, including the ability to split payments and take advantage of 0% APR offers, there’s no need to wait to purchase the piece you’ve been dreaming of.
If you have any questions or need assistance selecting the right payment option, feel free to contact our team. We’re here to help you find both the perfect jewelry piece and the best payment solution.
