At The Jewel Concierge, we believe investing in fine jewellery should feel considered and seamless.
To offer flexibility without compromise, we offer a variety of payment options at checkout, including buy now, pay later services designed to suit different purchase types and budgets.
All payment providers conduct their own eligibility assessments and approval processes. Please review each provider’s terms directly before selecting an option.
afterpay
Best suited for smaller purchases.
Afterpay allows you to split your purchase into four equal, interest-free instalments, paid every two weeks.
Key features:
- 4 equal payments
- No interest
- Payments deducted automatically
- Instant approval decision
Things to note:
- Late fees may apply if a scheduled payment is missed
- Spending limits are set by Afterpay based on your account history
- Not all high-value pieces may be eligible
Afterpay is typically most suitable for jewellery purchases in the lower to mid price range.
zip payments
Designed for higher-value purchases.
Zip allows approved customers to spread the cost of their jewellery over time, with nothing to pay on the day and an interest-free period attached.
This option is particularly suited to engagement rings, bespoke commissions, and higher-value pieces where additional flexibility may be helpful.
Key features:
- Pay nothing today
- Up to 6 months interest free*
- Flexible repayment schedule
- Application and approval decision at checkout
Things to note:
- Zip Money offers a credit limit between $1,000 and $5,000
- Zip determines which of its options applies to your order and the limit it approves
- Minimum monthly repayments are required throughout
- A monthly account fee applies unless nothing is owing
- A one-off establishment fee may apply when your account is opened
- Approval, limits, fees and terms are determined solely by Zip
*The interest-free period is a maximum rather than a guarantee. Zip states that it depends on the purchase amount, your minimum monthly repayment and your account status, and that any balance remaining when the period ends is charged at Zip's standard variable interest rate. Full terms are presented when you apply and are available at zip.co.
PayPal Pay in 4
PayPal Pay in 4 allows eligible customers to divide their purchase into four interest-free payments, similar to Afterpay.
Key features:
- 4 equal instalments
- No interest
- Managed directly within your PayPal account
Things to note:
- Typically available for purchases between $30 and $2,000
- Availability depends on PayPal’s internal eligibility criteria
- Late fees may apply if payments are missed
This option is convenient for clients who already use PayPal and prefer to manage instalments within their existing account.
Choosing the Right Option for you
For smaller jewellery purchases: Afterpay or PayPal Pay in 4 may be suitable.
For engagement rings and higher value pieces: Zip spreads the cost further, with nothing to pay on the day and an interest-free period attached. Zip assesses your application at checkout and determines the limit available to you.
It is important to note that every person's situation and circumstances are different, therefore there is no right or wrong here.
DISCLAIMER
All buy now, pay later services are provided by third-party financial providers. Approval, spending limits, fees, and terms are determined solely by the provider, and may change.
For full terms and conditions, please refer directly to Afterpay, Zip or PayPal before selecting an option.
We encourage clients to consider their financial circumstances carefully before selecting an instalment option.
