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Deciding to tie the knot is one of the most important and exciting but it also can be a costly time. According to recent reports, the average wedding costs €36,000.
An engagement ring is usually the first significant outlay when wedding planning, but what is the best way to finance an engagement ring in 2026?
At Gear Jewellers, we believe that everyone should have access to exquisite, high-quality diamond jewellery without breaking the bank. That's why we're proud to offer flexible financing options, so you can sparkle now and pay later.
Ways to finance an engagement ring
There are a few different ways to pay for this special purchase, and the best option for you will depend on your personal financial situation.
Credit card: One way to finance an engagement ring is to put it on a credit card. This can be a good option if you have good credit and can afford to make the monthly payments. Just be sure to pay off the balance as quickly as possible to avoid interest charges.
Deposit Payment with Gear: We offer couples the option to pay a deposit and then make regular monthly payments until the balance is cleared. Once it’s paid off, you will receive your ring. The best thing about this method, is that it means 0% interest.
Finance With Humm or Klarna: With these options, you can spread the cost of your purchase over a period of time that suits you with the benefit of taking the ring with you immediately. Making small monthly payments can help create an engagement ring more affordable. But remember, the longer you take to pay off the ring, the more interest you will end up paying.
Deposit Payment
with Gear Jewellers
Here's how it works:
- Select your piece and we’ll set it aside for you to ensure its available on completion of the final payment
- An initial 25% is required with the remaining balance payable monthly over the selected month duration
- Pay off the remaining amount within 3 months
- On receipt of the final payment, your piece will be available for collection or it can be register posted
Finance
with Humm
Here's how it works:
- Browse our range of engagement rings and jewellery
- Apply online
- Get up to €15,000 approved in minutes
- Receive your approval number by text
- Once approved, simply provide your mobile number to complete your Gear Jewellers purchase
Finance
with Klarna
Here's how it works:
- Three equal payments.
- No credit agreement.
- No interest or fees when you pay on time.
- The first payment is collected when the order is shipped. The remaining two will be automatically collected in 30 and 60 days.
Find your favourite way to pay
We accept Visa, Mastercard, American Express (online only), PayPal, Apple Pay, Google Pay, Klarna, and Humm. Cash is also accepted in store.
