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3 Ways to Pay for the Engagement Ring Before Popping the Question

customer financing

If you’re considering popping the question, you’re probably nervous and excited at the same time. You may also be wondering how the heck you’re going to pay for an engagement ring. While each engagement ring is special to every person who receives one, there’s no doubt they can be costly.

Most people get married by their late 20s and some estimates put engagement rings in the range of $3,000-5,000. The easiest way to pay for a ring is to save money and pay for it that way. But if you haven’t saved enough money, there are plenty of customer financing options available. If you’re on the verge of purchasing an engagement ring, here are some ways you can finance such a big, important purchase.

Charge It

One customer financing option you have for engagement rings is to buy the ring with a credit card, preferably one with zero interest. Many credit card companies offer promotions of zero interest for as many as 18 months. This will allow you to make payments on it without getting bogged down in interest charges. You also want to keep in mind the limit on your credit card, because too big a purchase can hurt your credit score.

Buy Now, Pay Later

Another customer financing option you have is to buy the ring now and pay for it later. There are services available that can split payments up into small investments and give you the financing you need to get the ring you want.

Talk to the Jeweler

If you’re wondering how you’re going to pay for a ring, you may just want to talk to the jeweler you bought it from. If you qualify, you may be eligible for a no-interest or low-interest plan you can make payments on. It’s important, however, to talk to the jeweler about how long their promotions last, so you don’t get stuck paying interest later on.

In Summary

As you can see, there are all kinds of ways you can pay for an engagement ring. Before you buy, think about what you can afford to pay, what you might be able to pay upfront, and what kind of customer financing plan you can afford. With a plan in place, you can turn your attention to your proposal and impending nuptials.

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