First, how much do you want to spend?
Financing A Wedding Band Or Ring
Financing jewelry is nothing new, but sometimes getting the credit to do so can be tricky. If you have had some problems with credit, you might just be locked out of retail financing. This is where online financing comes in. Online loans like the ones from our lenders pay you cash directly and then you can use the money to shop for your wedding ring at any store that you choose. Let’s look at how it works.
Get Your Loan Offer
Your first step will obviously be getting your loan offer. To start your quote, think about how much you want to spend. You have probably already been shopping, so you know the price range that you are looking for. Don’t be tempted to spend more than you can afford, stick to your budget.
Once you have a number, enter it in the form above, along with some basic information about you, your income and your bank. Then, agree to the terms and submit your quote.
If approved for wedding ring financing, one of the lenders from the group will make you an offer. To see this offer, you will now need to leave our website and visit the lender website. Keep in mind that we never see the offer, we just connect you with an individual lender.
Review Your Offer Carefully
With an offer in front of you, it is now time to review all of the details. This is a loan and, although you desperately want the money, you must be careful.
Take a look at all of the details, including the installment payment amount, total interest to be paid and any fees that may be charged. If you are unclear about any details of the loan, you need to contact your lender before you sign. A good lender will be able and willing to walk you through the entire loan process.
Accept Or Decline
Once you understand the loan, you can decide to accept it or decline it. There is no obligation in getting a free offer. Make sure that the cost of the loan is not too great and that you can afford to make the loan payment every month or every couple weeks.
Like the loan? You can generally accept it online and your finds can be in your bank as soon as the next business day. Then, you are free to shop.
Shopping For Your Wedding Ring
Should you accept a loan offer, you can now shop for your wedding ring or rings. Your lender will deposit your money directly into your bank account, which makes you a cash buyer. Be sure to take advantage of the opportunity. Here are some of the perks.
You Can Shop Any Store
Chief among the benefits of being a cash buyer is that you can use your wedding ring financing money wherever you like. This will allow you to shop any store to get the best price. It will also allow you to get the perfect ring for you and your partner.
You Can Buy Used
Sometimes a used ting can be a great value. It could be similar to the ring you like but heavily discounted. It could also be an antique, available at an antique store that does not even offer financing. Whatever the case, cash gives you the ability to shop the used market.
You Can Use Extra Money
At what if you save money? You can then use the money however you like. Use it to pay for a vacation or to buy something for your reception. It is your money and the choice is yours.
