Standard payment
The default for most clients: a 30% deposit when you sign off on the final design, and the balance on delivery. No interest, no fees. Paid by bank transfer or credit card. You’ll receive a written invoice and receipt at each step.
Interest-free instalments
Afterpay — up to $2,000
Four interest-free instalments, fortnightly. Approval is instant at checkout. Suitable for wedding bands, smaller commissions, or as a deposit toward a larger ring.
Affirm — up to $30,000
Six- or twelve-month interest-free instalments, subject to approval. The most common option for engagement rings between $4,000 and $15,000. A soft credit check, no impact on your score, and approval typically within an hour during business hours.
Latitude — up to $100,000
For larger commissions, 24- or 36-month plans through Latitude with low fixed interest (currently 6.95% p.a., subject to change). Apply when you design your ring and we’ll send you the formal application.
Custom payment plans
For very large commissions (above $30,000) or specific situations — surprise proposals where the deposit needs to come from a different account, planned bonuses, distributed payments from multiple family members — we’ll arrange a custom written schedule with the studio. No interest. Just an agreed series of dates.
A quiet note on responsible borrowing. Finance is convenient, but it’s still a loan. We’ll never push it — only mention it when you ask. If a different ring at a lower price would suit better, we’ll tell you that first.
What we don’t do
We don’t inflate prices to fund “0% finance offers”. We don’t take commission on finance referrals. The ring price is the same whether you pay cash or finance — the finance company funds the wait, not us.