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Financing

Apply for engagement ring financing
Apply Online
shop for engagement ring
Shop & Receive Product
pay for your engagement ring over time
Pay Over Time
easy engagement ring financing application
Quick & Easy
Fill out a short application. No credit needed. Get approved within 24 hours.
transparent engagement ring financing terms
Transparent Terms
0% APR financing. No Hidden Fees. What you see at checkout is what you pay.
secure engagement ring financing application
Safe & Secure
Our financing platform is designed to protect your personal information.
Save with Gage Diamonds
Example Price: $5,000.00
Term: 24 months
Gage Diamonds
Wells Fargo Jewelry Advantage© credit card
Interest Rate
0%
29.99%
Interest & Fees
$0.00
$1709.92
Total Cost
$5,000.00
$6,708.92
Savings with Gage Diamonds:   $1,708.92
Applying online is Easy

All we ask is that you have the following:

  • A valid driver's license or state ID
  • At least 3-month income history with current employer
  • Direct deposit into your primary checking account*
  • Checking account open for at least 3 months and in good standing**
*Cannot be a prepaid debit card or an online checking account
**In good standing means no excessive overdrafts, NSFs or negative balances
Ready to Apply?
Start your application and get approved today.
See What Customers Say About Us
  • Tiana C.
    Financing was a breeze, and service was above and beyond!
  • Derrick T.
    Great customer service from beginning to end. Financing options are very flexible.
  • Jackie T.
    Even with no credit history, I was still able to get a loan at 0% interest. I’m so happy about it!
Frequently Asked Questions

How Does 50|50 Pay Make Money If It Offers 0% APR?

Gage Diamonds and 50|50 Pay are sister companies. We make our “interest” by sourcing our products at wholesale prices and offering them at competitive retail prices. By partnering directly with 50|50 Pay we can offer true 0% APR financing to our customers.

What are the terms for financing?

50|50 Pay offers 0% APR, 12 or 24 month term loans that are payable in equal installments. There are no application fees, late fees or prepayment fees. What you see at checkout is always what you’ll pay.

What do I need to apply?

1. A valid driver’s license or State ID

2. Your most recent, full paystub, dated within 30 days of the application date

3. Verify your bank account through our secure online bank verification process or by providing your most recent 30-day bank statement

Do I Have To Put A Down Payment?

For most of our borrowers, we do not require a down payment at all. For some borrowers, 50|50 Pay may require a down payment from 5% to 50%.

What if i have bad credit, can I still apply?

50|50 Pay does not turn away individuals simply because they have bad or no credit. 50|50 Pay will take a holistic approach and evaluate consumers on a number of different criteria in order to make a credit decision.

Do I have to pay off my loan in full before my item is shipped?

Nope. If you get approved for a loan then you can start shopping immediately at Gage Diamonds and your credit will be applied at checkout.

What happens to my loan if I return my order?

If you return your order within Gage’s 30 day return policy your loan will be cancelled and any payments you made will be returned to you.

Gage Diamonds and 50|50 Pay are sister companies. We make our “interest” by sourcing our products at wholesale prices and offering them at competitive retail prices. By partnering directly with 50|50 Pay we can offer true 0% APR financing to our customers.

For most of our borrowers, we do not require a down payment at all. For some borrowers, 50|50 Pay may require a down payment from 5% to 50%.

50|50 Pay offers 0% APR, 12 or 24 month term loans that are payable in equal installments. There are no application fees, late fees or prepayment fees. What you see at checkout is always what you’ll pay.

Yes! Whether you have poor credit from bankruptcy, no credit or bad credit scores, 50|50 Pay will take a holistic approach and evaluate consumers on a number of different criteria in order to make a credit decision. 50|50 Pay does not turn away individuals simply because they have bad or no credit.

1. A valid driver’s license or State ID

2. Your most recent, full paystub, dated within 30 days of the application date

3. Verify your bank account through our secure online bank verification process or by providing your most recent 30-day bank statement

Nope. If you get approved for a loan then you can start shopping immediately at Gage Diamonds and your credit will be applied at checkout.

If you return your order within Gage’s 30 day return policy your loan will be cancelled and any payments you made will be returned to you.

Secure & Safe
Monday - Friday 10AM to 6PM CST