Financing

At Spence we offer a range of flexible financing plans to make your ring purchase as financially stress free as possible. Almost any ring can be made to fit any budget. You choose the ring and price you are comfortable with. If you decide to finance your purchase, we are glad to offer a range of financing plans. Please visit a store to learn more about each of our plans and to apply.

CANADA

6 MONTH NO INTEREST PLAN
No interest on your purchase if paid in full within 6 months.
No minimum monthly payment.
Minimum purchase required.
Additional terms and conditions apply, please visit a store to learn more.

12 MONTH NO INTEREST PLAN
No interest on your purchase if paid in full within 12 months.
No minimum monthly payment.
Minimum purchase required.
One-time $39.99 administrative fee.
Additional terms and conditions apply, please visit a store to learn more.

USA

18 MONTH NO INTEREST 100% FINANCING PLAN
No interest on your purchase if paid in full within 18 months.
Minimum monthly payment is 3.5% of highest balance.
If the purchase balance is not paid in full in 18 months, interest will be charged to your account after the 18 months at 28.99% APR.
No minimum purchase required.
Additional terms and conditions apply, please visit a store to learn more.

36 MONTH 100% FINANCING PLAN
9.99% APR with no minimum purchase.
Minimum monthly payment is a 3.2453% payment factor on the financed amount.
Additional terms and conditions apply, please visit a store to learn more.

60 MONTH 100% FINANCING PLAN
9.99% APR with no minimum purchase.
Minimum monthly payment is a 2.1465% payment factor on the financed amount.
Additional terms and conditions apply, please visit a store to learn more.

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