Whether you are shopping for yourself or the people that are near and dear to your heart, purchasing valuable items such as jewellery and watches has never been easier. And we’re not just talking about the convenience of having them delivered to your door through the medium of online shopping. With so many buy now, pay later finance options available to us at a click of a button, we are also lucky enough to have the ability to budget some of our more novelty purchases by paying them off in easy-to-manage instalments over time.
From shopping for everyday items such as earrings, necklaces and bangles, to taking the plunge on special buys such as diamond jewellery, timepieces from high-end watch brands and even engagement rings or wedding rings, the cost of living is only getting more expensive and so treating you or your loved ones isn’t always financially practical. However, thanks to services such as Afterpay and humm, among others you essentially have the option to sparkle now and pay later.
So, for those determined to ease their finances on some of their more fun purchases, read on to get the full rundown on our wallet-friendly payment methods that will allow you to purchase jewellery and watches in manageable interest-free payments over time rather than just the lump sum upfront.
Overview:
Afterpay
Need a striking pair of hoop earrings to uplift your look or maybe a few pendants to master the art of jewellery layering? Go ahead and purchase any jewellery and watches while enjoying the luxury of paying later with Afterpay. When you shop with Afterpay, you can purchase jewellery and watches for up to $2000 and pay for them in four equal interest-free instalments every two weeks. With the Afterpay card, you can even make in-store purchases on Afterpay by downloading the app and adding the digital card to ApplePay or Android pay.
What To Buy:
On the hunt for the perfect pair of earrings for everyday wear? Then look no further than these stunning silver stud earrings. Boasting 14 brilliant-cut diamonds that are arranged in a stylish, round cluster setting, these elegant stud earrings provide you with a never-ending sparkle that will never date. Whether you are headed to work, running errands or accessorising for a night out on the down, you can definitely count on these diamond stud earrings to fit the bill. They are so versatile that they are the kind of accessory that you can basically throw on just as you are leaving the house.
Sterling Silver Diamond Stud Earring Set with 14 Brilliant Diamonds
$59.99
$199.00
Beautiful diamond studs that give you a never ending sparkle. Fall in love with this amazing set of 14 brilliant diamonds that catch the light and glimmer, all set in luscious sterling silver.… read more
humm
Whether you’re treating yourself to an elegant tennis bracelet or getting ready to pop the question to take the next big step in your relationship, taking the plunge on some of those big-ticket purchases can be a bit overwhelming. With the humm payment method, you can make larger purchases through interest-free instalments while simultaneously avoiding the tension of instantly depleting your wallet. Available both in-store and online, humm offers a provider known as 'Little Things'. Humm's Little Things option is very similar to other payment providers in the sense that it relies on you making interest-free payments on items every fortnight. However, eager to provide their customers with a great deal of flexibility, Little Things allows the user to decide whether they will pay the item back in 5 lots or 10 lots.
Little Things:
When it comes to finding the perfect accessory for every day, nothing quite fits that bill better than bangles. The ideal piece for all occasions from brunch and days at the office, all the way to formal events, bangles are a piece of jewellery so versatile that they can be worn in a multitude of ways. If you’re eager to add a timeless bangle to your armoury, look no further than this timeless gold bangle. Constructed from 9ct yellow gold, this luxurious solid bangle is an instant classic that is sure to pair well with any of the gold jewellery you decide to wear with it. You can even take a style risk by investing in the matching 9ct rose gold bangle to wear with it. Best of all, you can purchase it on humm which allows you to pay for little things such as bangles in interest-free instalments on items up to $2000.
$999.00
The luxurious and classic 9ct yellow gold bangle is sure to impress. The solid gold bangle is simply stunning and will make a statement for the years to come.… read more9ct Yellow Gold SOLID 4mm Bangle
$2,499.00
$2,034.00
A 9ct Yellow Gold Solitaire Ring With 1 Carat Australian Diamond to love and adore. This gorgeous piece is woven from a durable 9ct yellow gold with a beautiful shine and long-lasting durability. A white gold setting holds an earthy… read more9ct Yellow Gold Solitaire Ring With 1 Carat Australian Diamond
$7,034.00
Zip
Another flexible payment provider offering customers exceptional purchasing power is Zip. Zip operates under two different payment options, ZPay and Zip Money. When it comes to making purchases under $1000, whether it be a gold chain or a brand new Seiko watch, Zip Pay is likely going to be the best contender. With all Zip Pay purchases being completely interest-free, you can pay for your purchases in instalments over a matter of months for as little as $10 a week ($40 per month) and never have to pay a joining fee. Zip Money, however, is a line of credit that allows users to make purchases over $1,000. Offering up to $3000 for regular accounts and up to $50,000 for specific merchants, Zip Money enables you to make big-ticket purchases such as diamond pendants or diamond bracelets while enjoying an interest-free period of up to four months.
What To Buy:
Zip Money is perfect for those larger purchases such as engagement rings and eternity rings or luxe one-off buys such as diamond necklaces. On the contrary, Zip Pay is ideal for some of the smaller purchases you may make, such as this edgy silver diamond slider bracelet. Decked out with 27 brilliant round cut diamonds, this elegant silver bracelet is not only extremely very carefree with its slider latch, but also very very versatile. Rock it on its own, with a few silver chains and silver pendants or complement it with the addition of silver bangles and some of the other bracelets in your collection. Made from sturdy sterling silver, this diamond bracelet is also very hard wearing as well as durable, meaning that with the proper care it has the ability to withstand day-to-day wear without becoming broken or tarnished.
Latitude Interest Free
Latitude Interest Free allows shoppers to pay for higher ticketed items such as diamond jewellery and coloured gemstones using a Latitude Gem Visa credit card, which you must apply for before joining. And while this may seem limiting to some people, with Latitude Interest Free you are able to set up interest-free payments over 12, 24 or even 60 months.
What To Buy:
With Latitude Interest Free's offering you a great deal of flexibility with your shopping, there is a myriad of items that you can treat yourself or your loved ones to when you check out with Latitude. One such item is a new watch. When it comes to finding a timepiece that is both stylish and reliable, Seiko certainly has you covered with their extensive collection of men’s and women’s watches. A real highlight for this iconic watch brand is the Seiko SNE435P PADI Diver’s watch. Adorned with a rich blue face that is emphasised by red accents, this diver’s piece from the Seiko Prospex watch collection is equipped with a powerful solar-powered movement that excels in all areas of timekeeping. Boasting a 200-metre water resistance level, you can sport this men’s watch anywhere from the workplace and the gym, all the way to the rugged terrains in the wilderness and in the surf.
Klarna
Founded in Stockholm, Sweden back in 2005, Klarna is perhaps one of the oldest buy now, pay later providers. Having launched in Australia just a few years ago, Klarna is very similar to Afterpay in the sense that you pay for items in four instalments every fortnight without interest and that every user’s payment limit is automatically determined by their spending habits. Not to mention, you can also pay with Klarna in-store using the Klarna store card that can be accessed via Apple or AndroidPay. Where Klarna differs from Afterpay, however, is that their payment plans offer a little bit more flexibility with the ability to pay for your order over 30 days to upwards of 6 months to upwards of 36 months on some orders.
What To Buy:
Whether you have your eye on higher-priced items such as a diamond ring, or more novelty items like everyday silver jewellery, you can’t argue with the flexibility that Klarna offers. If you are on the hunt for a more affordable piece such as this playful flower-shaped cubic zirconia pendant, you may wish to take advantage of Klarna’s manageable pay-in-four plan that will allow you to make your purchase through the very secure Klarna app. With that said, depending on the limit you have been provided, you may also wish to use Klarna on some of the more special purchases, like this elegant gold ring adorned with 1-carat’s worth of eco-friendly lab-grown diamonds from Shiels’ Luminesce Lab Grown Diamond range.
$734.00
This gorgeous Luminesce Lab Grown 1 Carat Diamond Dress Ring in 9ct Yellow Gold set with 15 brilliant cut diamonds is a perfect statement piece. Its waves of lush yellow gold and diamond express luxury and profound style - you'll… read moreLuminesce Lab Grown 1 Carat Diamond Dress Ring in 9ct Yellow Gold
Laybuy
Add to your jewellery collection with ease or spoil your loved ones with meaningful gifts by making easy interest-free payments at your fingertips. Leaving the tension of interest rates that come with owning traditional credit cards come with at the door. With Laybuy, shoppers have the ability to pay for items in 6 interest-free instalment payments on the day of your choice; even letting you make multiple payments at once. This allows you to nominate your payment dates that are based on your budget, whether it be the days you get paid or when you’re not expecting any big bills. What is also great about Laybuy is that the amount gets automatically deducted, ensuring you never have to worry about paying any late fees.
What To Buy:
With a little bit more flexibility on when and how long you pay for your instalments, Layby is not only a great interest-free payment provider for the smaller items but also for some of the bigger purchases as well, like this cocktail-style ruby ring. Decorated with a halo of brilliant-round cut diamonds, this ruby’s design is very much reminiscent of Princess Diana’s gemstone engagement ring-with the exception of its centre stone. As the July birthstone, this 8-carat naturally enhanced ruby is also the perfect gift for a special July baby in your life.
$2,034.00
Please contact us regarding special order enquiries for this ring. All ring sizes can be specially ordered, with delivery approximately 6-8 weeks.… read moreNatural Enhanced 8-8.75ct Ruby and Diamond Ring in 9ct Yellow Gold
$4,034.00
PayPal
PayPal, one of the world’s most popular payment providers is the newest company to join the buy now, pay later party. Introduced in late 2021, PayPal’s pay later plan has replaced their ‘pay after delivery’ option that was recently phased out. With the ability to pay later on purchases upwards of $1500, shoppers can pay for items such as jewellery and watches in interest-free payments every fortnight. While this is very similar to Afterpay and Klarna, Paypal does not charge a late fee when payments do not go through. With Paypal’s buy now, pay later option you also have the ability to set up your instalments as direct debits rather than having to link up your bank card.
What To Buy:
Much like the other buy now, pay later options offered by Shiels, PayPal Pay In 4 is very flexible and can therefore be used on more affordable options such as this elegant pair of figure 8-shaped gold drop earrings, while also being used to pay for slightly pricier items such as this silver ring adorned with over 1-carat of channel-set diamonds. While Paypal’s Pay In 4 $1500 budget does have its limitations, it is a super savvy way to pay for multiple items at once and ensures that you have no trouble budgeting in your purchases.
$39.99
These infinity hoop earrings are a must-have. Featuring intricate twists and a smooth gold-polished colour, the 9ct gold filled earrings are perfect for every day wear.… read more9ct Yellow Gold Silver Filled Figure 8 Hoop Earrings
$79.99
