Jewelry Financing

James Free Jewelers Finance

Synchrony Financial

Fast. Simple. Smart.

We are pleased to offer interest free financing options through our flexible Financing Program with SYNCHRONY FINANCIAL. Experience the benefits of preferred financing offers, a convenient and fast approval process, deferred payments and interest options, and more. When you open your James Free Jewelers credit card, we can offer you financing plans to fit you needs.

Quick Application Process

Instant Credit Available

Minimum Monthly Payment

Special Payment Options Available

Apply Online

Apply for Financing

Manage Account

James Free Jewelers Online Finance Program

Buy Now. Pay Later.

Enjoy the convenience of online financing with our Online Financing Program with Bread®. Experience the easy and fast application process to purchase your jewelry online today. Get a decision in seconds with no obligation to buy and checking your rate won’t impact your credit score.

Affordable Monthly Programs

No Prepayment Penalties

Fast & Easy Online Application

0% APR Available for 3-Month Financing*

Apply Online

To apply for Bread Financing, choose the finance option next to the Add to Bag button within your product listing.

If you are experiencing issues applying please contact our customer support team for assistance at 1-800-465-6193 or at [email protected]

*Subject to approval of credit application. Rates range from 0% to 29.99% APR, resulting in, for example, 24 monthly payments of $46.14 at 9.99% APR, per $1,000 borrowed. APRs will vary depending on credit qualifications, loan amount, and term. Bread® pay-over-time plans are loans made by Comenity Capital Bank.