At Emma's Diamonds, we believe that everyone deserves the opportunity to own their dream jewelry. Whether you're interested in financing an engagement ring or other fine pieces, our flexible payment options make it affordable and accessible—even if you have poor or no credit history.

Easy Engagement Ring Financing

We recognize that purchasing an engagement ring is a big decision. That's why we provide financing options that work for all credit types. Whether you prefer a timeless diamond ring, a gorgeous moissanite, or a lab-grown diamond, our financing plans are here to help you get the ring you love, without exceeding your budget.

No Credit Check & No Down Payment

Worried about your credit score? At Emma's Diamonds, we offer engagement ring financing with no credit checks and no down payment required. This means you can secure your ring with no upfront costs and no concerns about a hard credit inquiry.

0% APR Financing with Trusted Partners

We’ve teamed up with Acima to offer 0% APR financing on a wide selection of jewelry, including diamond engagement rings, lab-grown diamonds, and more. Our trusted financing partners provide flexible payment plans that can be customized to your budget, making it easy to pay over time.

Bad Credit? No Problem!

If you have bad credit, we’ve got you covered. Our financing options are specifically designed for people with less-than-perfect credit. With our guaranteed approval process, you can still finance the jewelry you love, regardless of your credit history. Everyone should have the chance to shine, and our financing ensures that you can.

How to Apply for Financing

Applying for financing at Emma's Diamonds is quick and straightforward. We suggest exploring prequalification offers from different lenders to see what you may qualify for, with no obligation. This gives you a sense of possible loan amounts and terms, which may vary upon final approval.

Who Is Eligible?

Our financing options are available to customers across the United States. To qualify, you must meet our basic credit criteria. If you have any questions about your eligibility or need help with the application, our dedicated customer support team is here to assist you every step of the way.